What matters most? Every day I speak with clients, one of the hardest things I must convince them of is that it's no longer about chasing the highest interest rates. You see, most of my clients are retired or very near retirement. They are in the so-called "fragile decade," which is the five years before [...]

Shaquille O’Neal protects his large sum of money with annuities. He is left with zero financial fear.

What happens if you live longer than you expect? How do you make sure your funds last as long as you do? Do you invest in stocks? Bonds? Keep your money in the bank? Increased life expectancy is extending the time needed for our retirement funding, making sure our money lasts as long as we do has become the new “mantra” of the Baby Boomers.

10,000 a day join the ranks of retirees Since 2014 the number of Americans retiring has increased to 4 million annually, more than 10,000 a day. From 2014 to 2034, about 80 million seniors are expected to retire, which will strain Social Security and Medicare systems with the potential to lead to increased reductions in [...]

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.