Examine the different types of annuities and see if an annuity is the right fit for your retirement portfolio.

Security is Spelled A-N-N-U-I-T-Y

Stability, volatility control, guarantees, and security are all synonyms for Annuities   In unsettling times, 1906, 1919, 1929, 1951, 1978, 1982, 1987, 2001, 2008 and other years the need for stability becomes essential. Stability helps restore confidence is a stress remover and a confidence agent. Fixed annuities provide those features; they are safe, guaranteed, secure [...]

By |2019-03-06T07:38:47+00:00February 10th, 2019|Annuities, Annuities 101|

Don’t Get Stuck With Low Annuity Rates: Manage Your Annuity!

If you have an older annuity it is still possible you may also have an annuity with a surrender penalty in place. How do you move your money to a higher rate of interest and not lose any of your account to these surrender fees?

By |2019-02-21T14:45:45+00:00January 28th, 2019|Annuities, Annuities 101|

Death Benefits and Annuities: Tips and Hints

Annuities are contracts with written contractual provisions which include benefits paid to a named beneficiary. In the event of the annuitant (a person) dies, the proceeds from an annuity are passed to the beneficiary. The beneficiary can be a person or persons, a trust or an organization. If the annuity names a beneficiary, the funds are paid without the need of probate.

By |2019-02-21T14:46:57+00:00January 28th, 2019|Annuities, Annuities 101|

Make the Right Choice in Selecting a Beneficiary

Who should inherit your IRA or 401(k)? Your annuity? See that they do. Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or annuity? You may be able to answer such a question quickly and easily. Or you may be saying, “You know, I’m not [...]

By |2019-02-21T14:47:33+00:00January 28th, 2019|Annuities, Annuities 101|

Annuity Beneficiary: An Important Decision

Naming a beneficiary on an annuity can help lower probate expenses Annuities are contracts between an individual and an insurance company. Annuity contracts allow for the owner of the annuity to name a beneficiary so in the event of the death of the annuitant. Because this is a contract, the beneficiary will normally receive the [...]

By |2019-03-06T07:41:54+00:00January 25th, 2019|Annuities, Annuities 101|

Annuity Calculators and Retirement Planning

Annuity Calculators Offer Access to Numerous Scenarios Deciding how best to use your available retirement funds can be a big decision - for many people it becomes the most significant decision of their lives. For the retirement plan to make sense, several factors should be considered. An annuity calculator can assist in decision-making, calculating the [...]

By |2019-02-21T14:50:04+00:00January 23rd, 2019|Annuities, Annuities 101|

Annuities Vs Bank CDs: How Do They Compare?

Bank Saving Products or Insurance Company Annuities, which would you choose for your safe and secure money? Federal Reserve Vs. 10 Year US Treasury As consumers, we think of interest as interest. In fact, there are two different and distinct factors that separate banks and annuities when calculating interest on savings vehicles. Bank CD interest [...]

By |2019-02-21T14:52:57+00:00January 22nd, 2019|Annuities, Annuities 101|

Can You Pass The Retirement Lie Detector?

      What if the solution to your retirement income is the thing you don’t know about or WANT to know?       How many of these features would you like for your retirement? •    A reasonable rate of return. •    Participate in market gains without exposure to market losses. •    Guarantees that [...]

By |2018-11-02T13:56:03+00:00October 1st, 2018|Annuities, Annuities 101|

Practice What You Preach

I’ve always been a fierce proponent of “practicing what you preach.” When I buy a car, I always ask the salesman “what do you drive? What does your wife drive?” When deciding on a home improvement project, I ask the contractor: “If it was your Mother’s home, what would you recommend?” You get the idea. [...]

By |2018-08-17T18:23:05+00:00August 6th, 2018|Annuities, Annuities 101|

Can You Afford To Lose Another Decade of Wealth

Did you know that in September of 2013 the Dow Jones Industrial Average was hovering at the same level it was 14 years before? The stock market can be advantageous during specific time periods, but brutal during other times. Dreams can be crushed, retirement plans delayed. Can you afford to keep rebuilding your wealth every [...]

By |2018-08-09T18:54:24+00:00August 6th, 2018|Annuities, Annuities 101|