"I am very happy to have chosen Carl Ostenson to manage my
retirement planning. Though I attended many retirement seminars, I was
never satisfied with the information provided, and the programs offered
little guidance. However, when I went to Carl's seminar, I immediately felt
it was right for me.
Carl, struck me as an honest, knowledgeable person. Once I chose to
work with him, I found him to be very helpful. For example, I one time had
a question on my annual statement, and he took the time to come to my
house and explain it to me.
I feel comfortable with the annuity program, because I can not take
chances with losing money at this stage in my life. And with annuities, I
am guaranteed not to lose any of my principal investment. His program
provides a steady stream of monthly income for me and I feel confident I
will not run out of money if everything goes right. The program not only
provides a secure income for me, but for my wife and for my heirs as
well.I give Carl Ostenson my full recommendation to others planning
their retirement."
Helmut Betcher
"The Ostenson Group worked hard to provide me not only with the
insurance I need, but to offer me various options to really allow me to
have a solid set of choices to utilize. Working with Carl directly, we were
able to determine the level of coverage that I need, the type of policy
that fits my needs today and tomorrow, and to be flexible with his
schedule to meet with me during some fairly hectic times. Additionally,
Carl was very responsive to my questions, timetables, and challenges
along the way.
I am looking forward to Carl and The Ostenson Group serving the needs
to my expanding family for many years to come."
Daniel Gaines
"I just wanted to send you a note letting you know how much I truly
appreciate the life insurance policies you got for me. Now that I am
divorced, I had to insure that my teenage daughter would still be able to
attend college and have some money to get her life started, if something
were to happen to me. I did not have that much money, but I knew I had
to do something. You really took the time to explain all of my options and
together we found the perfect policies for me. We decided on the plans,
the nurse came out to my house a few days later, and within a month I
had completed policies in hand. Thank you for making something I
thought was difficult, so easy. I wish I had spoken to you years ago.
Great job. Thanks so much."
Greta Schacht
"Carl, In answer to your request about our experience with you, I can say
that it has been a very good relationship and what you said should
happen - did.
Our plan was to safeguard our investment, see it grow and at some
point in time, begin to receive a monthly income to supplement our
employment income. We were not ready to retire at the time you
formulated our plan but went forward with it. Our investments with your
annuity program have not lost value over the past three years. It has
increased in value by over 5.5% per year and this includes receiving
some withdrawals that by law I had to take.
In contrast, Lynn's 401k investments at her work are growing at 5-5.25%
per year, so we feel satisfied with the original plan you set up for us. I
am sure that when both Lynn and I fully retire in one or two years, that
the plan will be able to provide us with a sufficient stream of income to
maintain our life and way of living.
I am sorry we did not start a plan like this several years earlier. I believe
we would have been far ahead of where we are now and would not have
lost so much in the stock market decline that happened a few years ago,
and reduced our investment by over 30%.
Please feel free to use this letter or if you need additional info, please
call me by phone or by email."
Mike Nerzig
