Vincent F. Gauci - VFG Associates,LLC

  • Call: (734) 855-4930
    Toll Free: (800) 859-4453
    Fax: (734) 855-4933

    29432 Joy Road, Livonia, MI 48150

  • Investing

    When you turn on the TV, read a newspaper or listen to the radio, you are bombarded with investment companies telling you that they know the best way to handle your money.  With so many choices available to you, how do you know which avenue to take?  We at VFG Associates are independent; working with many different companies to ensure that the strategies we use help you obtain your goals and objectives.


    Choosing a financial planner is one of the most important decisions you will make. The financial concerns of today’s investors require careful consideration and education to ensure success. Independent financial advisors, like those at VFG Associates, LLC, are able to provide the best overall information about the wide variety of investment products and services available in our ever-changing markets. We have access to a comprehensive range of quality financial products, research, and technology, enabling them to serve the unique situation of each client. We do not maintain proprietary products (specific financial products that we recommend and/or are required to market and sell). We are free to choose from a multitude of sound, quality investment options when assisting you in your financial planning goals Since the client is the ultimate decision-maker, we know the importance of providing them with educational resources. Please take a moment to review this website to familiarize yourself with the services and tools we will use to help you reach your financial goals. For further information, click here to contact us about scheduling an appointment.

    Securities Offered and Sold by and Through CoreCap Investments, Inc., A Registered Broker-Dealer and Member FINRA & SIPC, 4000 Town Center, 11th Floor, Southfield, MI 48075

    Reduced Risk Investments

    Fixed and Equity Indexed Annuities (EIAs)* are two types of investments that can reduce the risk of your investments. With a fixed annuity, the insurance company guarantees both the rate of return and the payout. EIAs are complex financial instruments that have characteristics of both fixed and variable annuities. Their return varies more than a fixed annuity, but not as much as a variable annuity. So EIAs give you more risk (but more potential return) than a fixed annuity but less risk (and less potential return) than a variable annuity. EIAs offer a minimum guaranteed interest rate combined with an interest rate linked to a market index. Because of the guaranteed interest rate, EIAs have less market risk than variable annuities. EIAs also have the potential to earn returns better than traditional fixed annuities when the stock market is rising Annuities serve many functions. One possible function is to protect your money from being garnished by a nursing home. Investing money in an annuity may shelter it from being counted when applying for Medicaid, enabling you to more easily qualify. Setting up an Annuity could still be subject to the 5 year “Look-Back” period. Annuities can also be passed down to your heirs or beneficiaries. They can be set up to give a certain number of years of payments to your beneficiary even after you pass on. Only a licensed professional can explain all the options available to you in regard to annuities. I would be more than happy to discuss some options with you and give you a personalized plan for your future planning. Please contact us to discuss some options.

    Benefits of an equity index annuity

    Choosing the right accumulation vehicle for retirement can be difficult. With so many choices, which product will be right for you? On one hand, you want the safety and guarantee of principal and credited gains. On the other hand, most people prefer the potential of higher returns by being linked to the market-the return potential that a fixed-rate investment cannot offer. This was the decision that retirement savers had in the past-(1) receive the guarantee of principal and a minimum amount of interest or, (2) link oneself to the market with the potential of higher returns, but also accept the downside risk to your principal. Now you can have the best of both worlds; guarantee of principal and the potential of market-linked growth with no risk due to market downturns.

    Safety and guarantee of principal

    An Index Annuity provides you with all of the best features of a traditional fixed annuity:

    Guarantee of principal

    Unlike most securities or mutual funds where your account balance can fluctuate due to market performance, premium deposited into an Index Annuity is guaranteed to never go down due to market downturns. A contract holder of an Index Annuity participates in market-related growth without market-type loss.

    Minimum Guaranteed Cash Value (MGCV)

    In addition to the guarantee of your principal, the index annuity contains a Minimum Guaranteed Cash Value (MGCV) which grows independently of your Accumulation Value at a specific interest rate. This value provides a standard of comparison for your annuity values throughout the life of the annuity. Thus, in a worst-case scenario where the stock market made a downturn or achieved no growth during the entire surrender period, you would be guaranteed to receive your original amount of premium back plus a minimum amount of interest.

    The power of tax deferral

    All annuity values accumulate on a tax-deferred basis until withdrawn. Therefore, your money can grow faster because you earn interest on dollars that would otherwise be paid as taxes. Your principal earns interest and the interest compounds allowing you to accumulate more money over a shorter period of time, thereby earning a greater return on your investment.

    Potential of stock market linked growth

    While the Index Annuity concept offers many features of a traditional fixed annuity, it has a rather unique feature that allows a potential of stock market-linked growth without the potential of any market-type loss. In contrast to a securities-type product or mutual fund where the investor bears the market risk, the Index Annuity concept insulates the contract holder from any risk of market downturns.

    What is indexing?

    Earnings on an Index Annuity are based on stock market-like performance from certain indices. But what is indexing? Indexing is simply an investment strategy that mirrors the performance of select securities, such as the Standard & Poor’s 500 Index’. The S&P 500′ is a collection of 500 select industry leaders and thus a benchmark for U.S. Stock Market performance. An Index Annuity is linked to the performance of this type of market index, without the risk of directly participating in stock or equity investments. With indexing, we can participate in a diversified passive investment strategy: a link to the market and its potential gains without subjecting ourselves to the potential downfalls of the market. 1. Some annuities may or may not guarantee a minimum interest rate. 2. Guarantees are subject to the claims paying ability of the issuer. 3. Participation rates, cap rates, and asset fees or margins may effect market gains. 4. Early surrenders may incur significant surrender charges that may result in a loss of original principal invested. 5. A 10% federal tax penalty may apply to withdrawals taken prior to age 59

    Expectations for the index annuity concept

    The concept of an Index Annuity is a simple one: allow the potential for market-linked gains without exposure to the market risk. Contract holders enjoy the guarantees and safety of principal even while being linked to market growth. However, they should not expect Index Annuities to mirror the exact performance of any stock market indices. Since an Index Annuity uses a passive investment strategy, it will not mirror the exact return of the stock market index. The Index Annuity is a powerful financial tool designed to meet your long-term retirement needs. Get the best of both worlds with an Index Annuity today!

    *Insurance Based Products

    Securities Offered and Sold By and Through CoreCap Investments, Inc., A Registered Broker-Dealer and Member FINRA & SIPC, 4000 Town Center, 11th Floor, Southfield, MI 48075