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

The 3 Biggest Concerns About Variable Annuities

Variable annuities and fixed annuities are very different creatures. Fixed annuities earn a set rate of interest for a specific time period. Variable annuities invest your funds in separate accounts (sub accounts) that invest in securities such as stocks and bonds, etc. Each separate account will offer specific investment objectives, you select the accounts that will best help you reach your goal. Here are specific points to understand before investing in variable annuities.

By |2020-03-28T20:45:35+00:00March 28th, 2020|Annuities|

Volatility, Information, The Stock Market and Annuities

Volatility is what drives the stock market, it changes. As it changes, opportunities exist to make money whether betting on a movement up or a movement down of the market. All that is needed to make the stock market work is volatility and what drives volatility? Information.

By |2020-03-24T01:14:18+00:00March 23rd, 2020|Annuities, Retirement Planning|

No One Is Calling Me And I Am Glad

Unprecedented growth in the stock market and now a down slide, why are my clients not calling me? After more than a decade of unprecedented growth without any significant corrections (378% Growth from March 9, 2009, to December 31, 2019*). We have just had one of those Black Swan events occur with the Coronavirus epidemic. [...]

By |2020-03-13T20:18:45+00:00March 12th, 2020|Annuities|

The Retirement Checklist

I recently finished reading a book called ‘The Checklist Manifesto.’ It’s a fascinating book that was written by a surgeon who was struck by the idea that something as simple as a checklist can be the linchpin of a successful outcome, versus complete disaster in some of the most critical of situations. The author spoke [...]

By |2020-03-10T16:29:05+00:00March 10th, 2020|Annuities, Retirement Planning|

NOW WHAT DID YOU DO

Did you DO something? Make a bad choice? A poor Decision? Surely you did SOMETHING to cause your mutual funds, stocks, or 401K to lose value! As I write this, the market has dropped over 1000 points. Why? Something out of our control happened: the Corona Virus became a pandemic. You didn’t have anything to [...]

The Modernization of American Annuities

The number one reason that people purchase an annuity in the first place is income protection, protection from living too long. Think of it as an insurance to protect you from outliving your assets. It is not uncommon, and it is becoming more common, for people to outlive their retirement funds, people are living longer. For many people, it just makes solid sense. With the purchase of an annuity come contractual benefits known as settlement options.

By |2020-02-14T00:40:46+00:00February 13th, 2020|Annuities, Annuities 101|

Annuities For Women

In a 2011 survey asking Baby Boomer-aged women about their retirement plans and their investible assets, single women had substantially less money saved for retirement than did single men. In addition to less money saved for retirement, a high percentage (86%) of women surveyed planned to retire earlier than men.

By |2020-02-13T00:09:28+00:00February 13th, 2020|Annuities, Retirement Planning|

Concerned About Trusting An Insurance Company With Your Important Retirement Funds?

How safe is your fixed indexed annuity? Should you trust a fixed indexed annuity with your important retirement funds? What happens if an insurance company were to fail? These and other questions are vitally important and the answers may surprise you.

By |2020-02-13T00:10:27+00:00February 12th, 2020|Annuities, Retirement Planning|

Up Down Up Down Up Down

Is your retirement account acting like a YoYo? With the nightly news comes the report on the day’s happenings in our national stock markets. Every day brings what has happened to America’s investments. The movement in the market affects more than 50% of America’s retirement funds. Some days it increases, and some days it decreases. [...]

By |2020-01-09T21:20:24+00:00January 9th, 2020|Annuities|