Tired of Market Ups and Downs Threatening Your Retirement?
Discover how the Three Penny Annuity Strategy protects your savings from losses, avoids fees, and locks in growth — explained in a simple, powerful guide you can read in minutes.
Watch the 90-Second Strategy That Protects and Grows Your Savings.
See how even a one-cent S&P gain could lock in 8%, without risking your principal.
Why We Call It the “Three Penny Strategy”
The Three Penny Strategy is simple, transparent, and built around protection and growth. Here’s why we call it that:
It Doesn’t Cost a Penny:
There are no annual fees eating away at your retirement savings. Every dollar you put in goes to work for you.
You Can’t Lose a Penny:
Your principal and prior gains are protected from market downturns. Even if the market drops, your balance never goes backward.
If the S&P Rises a Penny:
On your contract anniversary, if the S&P 500 finishes even a penny higher, you lock in an 8% gain, and that gain can’t be lost.
This combination of protection and growth potential makes the Three Penny Strategy a compelling option for retirees who want peace of mind without giving up the opportunity for meaningful returns.
What You’ll Learn Inside the Three Penny Strategy Brochure
Planning for retirement shouldn’t feel like a gamble. This simple, easy-to-read brochure walks you through how the Three Penny Annuity Strategy is designed to protect what you’ve saved while still giving you room to grow. Inside, you’ll discover:
How the Three Pennies Work
Learn the three simple principles:
- You don’t pay a penny in annual fees.
- You don’t lose a penny in market downturns.
- If the S&P 500 rises even a penny, you could lock in an 8% annual gain.
Why the Reset Advantage Matters: See how your account resets each year, so after down markets you’re positioned to benefit immediately when the market recovers — instead of spending years trying to make up for losses.
Real-World Hypothetical Examples: Explore side-by-side comparisons that show how $100,000 could perform across different scenarios — down markets, modest up years, and strong growth years — versus traditional investments or CDs.
The Impact of Fees (and Why You Avoid Them Here): Understand how even a 1% annual fee can drain thousands of dollars from your savings over time, and why the Three Penny Strategy keeps more of your money working for you.
Why Who You Work With Matters: Discover the difference between sales-driven advisors and fiduciaries. Learn why BFG Wealth Advisors, as fiduciaries, are legally obligated to put your best interests first.
Complete the Form Below to Download Your Detailed 3 Penny Annuity Strategy Brochure
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Why Investors Choose Briggs Financial Group
Disciplined Fiduciary Strategy
As a fiduciary practice, every recommendation we make must put your interests first. Our structured, data-driven investment process removes emotion and guesswork, ensuring decisions are based on real analysis to keep your plan on track.
Fiduciary Risk Management
Our algorithmic Risk-On/Risk-Off strategy is guided by our fiduciary responsibility to protect your wealth. We adjust to market conditions in real time, helping reduce risk and respond to volatility faster, always with your best interest at the core.
Ronald J. Briggs Jr., FIC, CRPC®
With over four decades of experience, Ronald J. Briggs Jr. is one of the most seasoned financial advisors in the country—having started his career at just 18 years old.
Compliance Statement:
As a Fiduciary, doing due diligence of all content and data contained herein has been developed or obtained from various sources that are believed to be providing accurate information. None of the content herein is intended as tax, financial, and/or legal advice. Please consult with a legal, financial, and/or tax professional for specific information regarding your individual situation. The content and materials herein are intended to create client awareness for educational purposes and to promote interest in the utilization of risk on, risk off and tax mitigation investment strategies in the planning process. The competitive analysis of various fixed insurance products that may be shown herein do not address any individual’s specific situation and are not to serve as the basis for any investment and/or tax advice and should not be construed as a solicitation to invest. Content herein is based on the latest information available to the public from the Insurance Carriers and while deemed to be accurate, is not guaranteed by the Briggs Financial Group Wealth Advisors, “BFG Wealth Advisors” or affiliates thereof. Numerical information, charts, graphs, formulas, calculations, and data sets, etc. are for example and illustrative purposes only. Please review each Insurance companies’ compliant illustration with your Advisor before investing. BFG Wealth Advisors also provides support, information and competitive analysis on Fixed Insurance Products of over 70 insurance carriers. BFG Insurance Designers is a separate division of the Briggs Financial Group Wealth Advisors.
For more information, please contact your Briggs Financial Group Wealth Advisor directly for a comprehensive overview and analysis of your specific situation using risk on or risk off asset classes in your retirement portfolio.
Asset Management and Investment Advisory Services provided by Investment Advisor Representatives doing business as the Briggs Financial Group are offered through Caitlin John, LLC., a Registered Investment Advisor Firm. The Briggs Financial Group Wealth Advisors, LLC. and Caitlin John, LLC. are separate entities and are not affiliated.
To access the following compliance forms, please visit www.caitlinjohn.com.
Caitlin John Form ADV 2A Brochure | Caitlin John Wrap Fee Brochure | Customer Relationship Summary | Privacy Disclosure Statement | ASWTI Form ADV 2A Brochure
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