"Anchoring" Callout Text to a Figure

[jdeland1 at comcast.net]

OK, noob alert. What is the preferred way of creating text callouts so that they are anchored to a figure, i.e., if the figure is moved down or up a few lines, the callouts move with it? 

I import a graphic by reference. I create text in a text frame selected from the Graphics Toolbar, and position it. I then add a line return above it, and of course the graphic moves down but the callout stays "floating" in its original position. 

FM 9 on XP Pro SP3