J.D. Mellberg Financial Reviews 397

It wasn't that long ago that I was doing the math and trying to determine just how long I could 'survive' on my 401K...not long was the way MY math worked, followed by my sad feeling that I was going nowhere fast. However, after a brief search I ran across an annuity expert , Stewart Miller, who laid it all our for me, AND he showed me that I could invest in an annuity program that would supplement my life's plan, for the rest of my life...and then some for my wife and children. I could not beat the math on this, and Stewart was just the person to show me how it was going to be done. As a result, I jumped right in. There are a lot of smart people out there, but 'following through' is really what Stewart showed me how to do and be smarter! Thanks Stewart!

I was looking for a good Annuity when out of the blue I saw this add for J.D. Mellberg on the internet. I Called the number and was on my way to talk to Terry Hays, He help by explaining the difference's between the different annuity. I told terry what I was looking for and showed me a couple of annuity's I might like and he was right. It took very little time to set it up and then I was on my way.

My wife & I are 73 and 74, and last spring we were very concerned about what might happen to the market and that was when we decided to look into an annuity. We had minimal knowledge of this subject. It was our lucky day when we were put in contact with Danielle Stern.
She came to our telephone video conferences having full knowledge of this subject and along with an abundance of patience. She covered all the options and answered all our questions along with sending us the notes and other educational materials that we might need to make our decision.
We are very happy with the annuity that we are now receiving, and we were very happy with the help we received in making our decision.
Roger & Carol

Lee Rouse was very knowledgeable regarding different options and needs for me. I am pleased with this company. Lee answered all our questions and concerns, and went the extra mile to transfer my 403B from my former employer to my annuity which was no small feat.

Thanks Lee.

Brad & Susan Bradford were very patient, precise, competent, and complete with the annuity explanation. I was and am very pleased with them and the annuity product which I purchased.
It immediately saved me several thousand dollars from this August market correction. I would gladly recommend the Bradford's and the product to everyone.

Linwood Hamilton was very helpful in making an annuity investment. He took his time explaining everything, and I feel very good about the investment I made. He was friendly and there was no high pressure sales pitch.

Kelley Vellasquez was an excellent source of information and answered all my questions. JD Mellberg Financial is the group I contacted about the annuity and so far so good!

Stephen Ruff and his associates at EliteWealth Strategies are awesome. With the current volatile stock market, we have the piece of mind that our income is guaranteed. This means that we can enjoy our retirement with piece of mind. Stephen takes excellent care of us, making at least 2 face-to-face visits a year, more if necessary. He also is only a phone call away 24/7. Thank you so much, Stephen!

My wife and I had numerous meetings with Jim Clifford and Jennifer Cushman regarding the purchase of annuitires with funds from our IRA accounts. We were satisfied with their explanation of minimizing the risk in exchange for a lesser return on our investments. We await our first anniversary statements in October to see the results of our first year with our new advisors.

Daniel & Carol Ryan, Glenburn, Maine

WE BOTH WANT TO SAY HE IS A VERY GOOD ADVISOR AND WE
WOULD LIKE TO GIVE HIM A GRADE OF 5 AT THIS POINT IN OUR
RELATIONS WITH HIM.
MANY MORE DAYS AT 500 POINTS DOWN WE MAY HAVE TO TAKE
ANOTHER LOOK AT HIM IN A NEW LIGHT..
A GRADE OF 5 INCLUDES A LO T OF THINGS AND WE ARE VERY
HAPPY WITH NATHAN COLLIER.

I would be lost without the help of John McCarty. His expertise in the financial field of annuities gave me the confidence to invest. He has assured me that this is a safe investment in what I am trying to do. Thanks again for you advice and continued success to you and I in our future endeavors.

I want to thank Joshua for the time he took to explain my new investment vehicle. I was looking for additional ways to perserve and diversify my money. I reviewed a couple of options however was undesided and confused. Joshua took the time to go through the investments and explain the pro and cons.

The overall process of the transfer over to the annuity was a simple and understanding process, but as far as me as an investor knowing where/what my money is invested in is hard to find and understand. It would make it simpler if there was a spreadsheet that could be looked at showing each stock and what percentage was invested in each stock and showing what each stock had gained and lost. A report like what is given by an employer for their employee's 401k plan.

Our investment risk tolerance and current portfolios where reviewed well to determine our best moves to make. Then, after they took a few days of research, excellent recommendations were made.

We knew we had to do something with our retirement savings, but were hesitant to move the funds from our employer accounts. Rey Cruz explained the complicated world of annuities, presented a comprehensive and a detailed picture of our "financial house" before and after analyzing our financial needs. Rey met with us at least three times to ensure we fully understood every aspect of his financial analysis before we committed to becoming part of the Rey Cruz Wealth Management family. My husband and I are confident that we chose the right company to manage our retirement savings. We have had an excellent experience with JD Mellburg and particularly Rey Cruz of Rey Cruz Wealth Management. Rey has provided a great plan and we are now much more confident in our financial future and would not hesitate to recommend Rey in the future.We are extremely pleased!

Lee was very detailed in his explanations of the different options available to us. This allowed us to make an informed decision. we are thus far very happy with the results

Zak has helped me with my income stream issues by explaining various types of the latest annuities. His concern for us and recommendations which we followed. We would highly recommend Zak with any financial concerns.

When I was confused on my annuity account, Hillard Rest visited me several times to explain all the features of complicated annuity contract. After his through review of my contract, I was able to understand the terms and conditions of my annuity contract. I am very grateful to Hillard Rest for his willingness to help me out.

Corbin has been very helpful in guiding me through the process of selecting the most appropriate type of annuity for me and my wife . He was extremely thorough in explaining the advantages and disadvantages in depth, and was able to answer any and all of my questions. I was very happy with the way he made sure that I fully understood what I was entering into.

Adam Curran spend numerous sessions with me explaining the intricacies of the various types of annuities available in the market place. I very much appreciated his efforts at my edification and his personalized recommendations prior to my decision to purchase.