By Bill Broich I remember the early years in Olympia Washington learning to sell annuities, it was tough. Not only tough for me but tough for anyone who was anything other than a “stockbroker”. Not only were our products not fully developed but we were the “ugly” stepchild of the financial world. Annuities were considered a second [...]
By Bill Broich Beginning in 2014, new rules were put in place governing the premiums paid for higher earners. If adjusted gross income (AGI) (which includes earned interest and tax exempt interest (municipal bonds) is over $85,000 for single taxpayers or $170,000 for married couples, they will be subject to the income related monthly adjustment [...]
Finding a competent annuity salesperson is not especially easy. The reason is simple, for many advisors or agents, annuities are a secondary business. Agents specialize in life insurance, long term care insurance and only handle annuities as an add on. Finding a real expert about annuities requires interviewing agents and asking questions. It isn’t [...]
Many investors see the stock market as a way to get rich quick, but if they don’t understand their investment, or how the stock market works, they could be in for trouble.
As we age, safety, security, and guarantees become more and more important. Having an income that will last a lifetime and ensuring that dignity is part of our existence is a priority.
Digital communication and information access is (quite suddenly) lifting the veil around many institutions and sources of information that were once shrouded in mystery.
What is the risk when using US Treasury Bills, US Treasury Notes, and US Treasury Securities as an investment vehicle? The danger is inflation.
CD Investors make use of a variety of strategies to maximize their liquidity and also investment returns. Find out more about these strategies: diversification, laddering, and the barbell strategy. Are you paying management fees on your CD investments? Find out why you may not need to!