Understanding Income Riders

As I speak to so many callers to my Safe Money and Income Radio Show, I find that I spend a lot of my time undoing a lot of the misconceptions and even outright misrepresentations that a lot of them have about annuities and income riders. These problems arise because they have received bad information [...]

By |2017-10-23T00:19:15+00:00July 25th, 2017|Annuities, Retirement Planning|

Do Agents Use Annuities In Their Own retirement Plannings?

I get this question a lot from perspective clients, do you use annuities in your personal retirement planning? The simple answer is yes, absolutely. As a matter of fact, I have multiple annuities as part of my retirement portfolio. And, the reason I use annuities for my own retirement, is the same reason that anyone [...]

By |2017-10-23T00:20:54+00:00July 15th, 2017|Annuities|

Open MIC July 13, 2017

Our plans FOR Open MIC this summer is this: Open MIC July 20th July 27th After July 27th, Open MIC will be on Hiatus until after Labor Day.  If anything, important happens that affects your leads, the DOL, the annuity industry, we will reach out via: Email notification, vis Open MIC News (email me and [...]

By |2017-07-13T18:59:16+00:00July 13th, 2017|Uncategorized|

Where Are You Now?

Someone once said that to know where you're going, you must know where you are NOW. That will change as often as circumstances change. What sorts of changes? Well, death of a spouse is certainly a life-changing change that effects everything. Deaths of trustees/executors are important to consider. The housing crisis a few years back [...]

By |2017-10-23T00:22:25+00:00July 11th, 2017|Retirement Planning|

Where Should You Invest Your Money? Answer These 8 Basic Questions

 When people think about saving and investing money the first question they ask: "What should I invest my money in?" To answer that question the following questions should be answered: What do I want the money to accomplish? You may need extra income to cover your monthly current expenses. Or to pay for a child's [...]

By |2017-10-23T00:24:10+00:00July 10th, 2017|Investing|

Risk on Paper Is Different From Reality

The Best Practices Used to Create Sustainable Streams of Retirement Income   Today, stability is a welcome oasis in a sea of uncertainty. Investing involves placing your money at risk in the capital markets, which are subject to geopolitical and economic events as well as the collected behavior of millions of market participants. No one [...]

By |2017-10-23T00:25:32+00:00July 10th, 2017|Retirement Planning|

Charitable Gift Annuities Can Provide Benefits

If you have big dreams, a big heart.....but a shrinking pocket book (and resources), then a Charitable Gift Annuity may be an option for you. As a professional Insurance & Retirement advisor, I have been asked, "What are some of the non-traditional charitable gift giving opportunities by which someone may support their church or favorite [...]

By |2017-10-23T00:28:41+00:00July 8th, 2017|Annuities|

How Many Acres Must I Own?

  A new rule exacted by the Department of Labor governing financial advice provided by advisors has thrown the industry into a state of confusion and disarray.  The "Fiduciary Rule" went into effect June 9, 2017, however, any enforcement of the rule has been delayed until January 2018.  New DOL Commissioner Acosta has indicated the [...]

By |2017-10-23T00:29:44+00:00July 6th, 2017|Retirement Planning|