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Robert Lotter FHRI Founder

Robert Lotter FHRI Founder

The Magic Annuity

Learn About Risk Free Investing

WHO ARE WE?

FHRI & affiliates have served over 1,000,000 Public School employees and private individuals since 1978.

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NEVER LOSE PRINCIPAL

Our product recommendations ALWAYS GUARANTEE YOUR PRINCIPAL OR GAINS!

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PAY NO FEES​

Zero funds will be taken out of your principal and earnings. ZERO FEES!

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5% TO 10% UPFRONT BONUS

Bonuses Perform MAGIC and over time make a BIG difference in returns!

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OUTPERFORM MUTUAL FUNDS

Over 20 years, the typical Magic Annuity has out performed the typical Mutual Fund Investor!

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TAX FAVORED

Minimize Tax Exposure, control how and when taxes are paid!

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PENALTY FREE ACCESS

Many options to access cash before retirement without tax or other penalties.

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HUNDREDS OF PRODUCTS

Over 50 Investment Providers and hundreds of products to choose from!

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CUSTOM DESIGN

We assist you in finding the MAGIC Annuity that fits your exclusive needs!

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Customers Love the RISK-FREE MAGIC Annuity

“Finally, an investment that doesn’t risk my principal!”

“Now going forward I have the confidence knowing that when I need my retirement funds, they will be there.”

“I don’t have to hassle with the management of my account or having to pay someone else to do it for me. The insurance company does it without charging me a fee and without any risk.”

Don’t Believe The Hype About Mutual Funds!

According to a new study by DALBAR, the financial community’s leading independent expert for unbiased ratings and performance evaluations, the typical investor in equity mutual funds has gotten only a 3.88% annual return… over the last 20 years! The average investor in asset allocation mutual funds (which spread your money among a variety of classes) earned only 1.87% per year

Quantitative Analysis of Investor Behavior report by DALBAR, 20-year period ending December 31, 2018.

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Stop Paying Fees!

12b1 Fees, as high as 1.5%, Assets Under management Fees as high as 2%, Money Management Fees another .25 to .5% ZERO FEES = Higher Returns

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Competitive Returns

Better financial results than Mutual Funds with NO RISK TO PRINCIPAL AND EARNINGS! It’s even possible to beat the market over time with the right MAGIC Annuity strategy.

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Calculate your bonus and first year return

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John Bogle On Mutual Funds

Founder of Vanguard Mutual Funds (The largest in the world)

“ The mutual fund industry has been built, in a sense, on witchcraft. ”

“On balance, the financial system subtracts value from society”

“Even for taxable clients, mutual fund managers supervised the assets in very much the same way, simply ignoring the tax impact and passing the tax liability through to largely unsuspecting fund shareholders.”

About FHRI

The Financial and Health Research Institute (FHRI) was established in 1998 as a stand alone professional membership organization connecting consumers with ethical and licensed financial professionals. FHRI is now a Division of The Lotter Group, one of the largest providers of certain employee benefit services to Public School systems, having served over 1,000,000 public and private individuals since 1978. FHRI  continues to connect consumers to financial professionals who are committed to RISK FREE, NO FEE investing.

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