Fixed Indexed Annuities: Fact or Fiction?

Benjamin Franklin invented the modern annuity Benjamin Franklin was a sagacious man, as a matter of fact; he was one of the first owners of an annuity. Since his time annuities have been intertwined with American history, in many ways, they have been a strong core of our country’s financial security. Ben was a wise [...]

By |2019-02-17T05:00:47+00:00February 22nd, 2019|Annuities|

Joint and Survivor Annuity

A joint and survivor annuity is held by two or more individuals, usually by husband and wife, under an arrangement wherein annuity payments are made in full while both the contract holders are alive, and at a pre-specified percentage (50-100%) of the full amount after the death of one of the annuity holders. One of the annuity holders is the primary annuitant while others are joint annuitants.

By |2019-03-06T07:36:13+00:00February 22nd, 2019|Annuities, Annuities 101|

Stop Watching the Volatile Market: Look at Fixed Annuities

The stock market goes up and goes down. Think YOYO.   Many investors finally understand what YOYO means when investing:  You are on your own! When it goes up the financial planners, and the stockbrokers tell us how much money we have made and how great the market is. The economy is fine, and everything [...]

By |2019-03-06T07:37:08+00:00February 21st, 2019|Annuities|

Immediate Or Income Annuities?

Income now or income in the future, annuities can do it all   Have you ever wondered how much money you would need to set aside for retirement? Most people have asked themselves that question, and many are worried about their financial future. Income fixed, and variable annuities address that need for retirement income and [...]

By |2019-02-19T16:06:23+00:00February 21st, 2019|Annuities|

Introduction to REITs

A Real Estate Investment Trust, or REIT, is a real estate company that offers common shares to the company, thus giving those on the “outside” the opportunity to invest in stock that might otherwise be unavailable to them. While a REIT is similar to any stock that represents ownership in an operating business, there are two features unique to an REIT that similar types of stock do not share. With REITs, its primary function is to manage groups of income-producing properties, and it must distribute most of its profits as dividends.

By |2019-02-19T16:07:15+00:00February 20th, 2019|Real Estate|

Estimating The Future Can Be A Mistake Unless It Is Guaranteed

How ignorant are those who don't understand annuities and yet think they are experts A year or so ago, an article written by stockbroker, Brooks Rhys, made a clear and loud statement, “Don’t Buy Equity Linked   Annuities!” I have to laugh at the headline now; Mr. Rhys didn’t even know the correct name of [...]

By |2019-02-19T16:07:38+00:00February 20th, 2019|Annuities|

Secrets Of Variable Annuities

What Your Broker Doesn’t Want You To Know About Variable Annuities Disclaimer: In the early part of my career, I was licensed to sell variable annuities; I no longer maintain my securities license. The article below is gleaned from a wide array of information available to anyone; all you need to know is where to [...]

By |2019-02-19T16:08:06+00:00February 20th, 2019|Annuities|

Market Volatility: Safety Nets Are Available

A safety net can be important when things go bad Several noted economists and distinguished investors are indicating a bumpy ride ahead for the stock market, not only in America but worldwide. Billionaire investor Carl Icahn, recently offered caution on national news when he declared, “The public is walking into a trap again as they [...]

By |2019-02-19T16:09:23+00:00February 19th, 2019|Annuities, home-mid, Retirement Planning|

You Or Your Funds: Who Will Cross the Finished Line First?

The fear of outliving one’s money typically generates the most amount of anxiety among pre-retirees and retirees alike.    In his 1937 bestseller Think and Grow Rich, Napoleon Hill cited the fear of poverty as having the most common appearance of all the six basic fears every human possesses. The American Institute of CPAs (AICPA) [...]

By |2019-02-18T21:46:28+00:00February 18th, 2019|Annuities|

Use the 1035 Tax Free Exchange To Maximize Your Annuity Benefits

Section 1035 allows owners of annuities (and life insurance) the opportunity to exchange an older annuity contract for a newer contract that may offer features more in line with current needs. As an example, the older contract may be crediting a lower interest rate than a new annuity may offer.

By |2019-02-19T16:08:52+00:00February 18th, 2019|Annuities, Retirement Planning|