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

Downside Protection And Guaranteed Lifetime Income

Protection against loss and lifetime income!  How can those guys do that? Of all the many wonderful features of Fixed Indexed Annuities (FIAs), perhaps the two most significant features are downside protection of our retirement assets from market volatility along with guaranteed lifetime income. Yes, even if you live to be 100 or more and [...]

By |2019-03-25T16:25:04+00:00March 25th, 2019|Annuities|

Distribution With Diversification Or Distinction?

Which method will serve you better in retirement?   Those approaching or in retirement may seek the highest returns possible for many reasons, such as leaving behind a large legacy or traveling around the world. Sometimes it may be just to stay ahead of rising healthcare costs, inflation, and taxes. At this stage of life, [...]

By |2019-03-23T06:41:34+00:00March 23rd, 2019|Annuities|

The Next Major Annuity Market Is Massive: Women

Women live longer than men, an annuity with lifetime income might make good sense It hasn’t even been that long ago women could not vote in America. Not only that, there was a time when women were considered “property” of their husbands in many parts of the world that is still the case. Fortunately, in [...]

By |2019-03-21T16:48:45+00:00March 21st, 2019|Annuities|

Billions In Fees Translates to Billions In Lower Retirement Income

Be cautious of fees subtracted from your retirement funds, you could be the loser at retirement time. With the recent volatility in the stock markets worldwide, concern over the future of many people’s retirement accounts is at the forefront. Volatility, as defined in the stock market, means to many of us that sleeping well at [...]

By |2019-02-17T00:18:24+00:00March 16th, 2019|Annuities, Retirement Planning|

When is a Good Age to Consider Investing in An Annuity?

Annuities are designed as long term vehicles to be used later in life — at least until age 59 ½. To make annuity owners focus on their use later in life, the IRS imposes a 10% additional tax for any annuity accessed before that age minimum of 59 ½. The tax is in addition to any income taxes which may also be due on a pre-59 ½ distributions.

By |2019-03-05T23:06:49+00:00March 16th, 2019|Annuities|

Top 4 Annuity Scams – Here’s What to Look For To Protect Yourself

All annuity companies offer a “free-look” period where you may return the annuity for any reason and receive a full refund. Make certain you fully understand your rights and options when you purchase an annuity, your agent or the insurance company will help you. That being said, there are scams with annuities just as there are with almost any product being sold to the public. Here are some to be aware of.

By |2019-03-05T22:53:02+00:00March 12th, 2019|Annuities|

Are You A Fox Or A Hedgehog?

Which animal is smarter?  It all depends. Let me explain: In Isaiah Berlin’s famous essay, he divided the world into hedgehogs and foxes, based upon an ancient Greek parable. “The fox knows many things, but the hedgehog knows one big thing.” The fox is a cunning creature, able to devise a myriad of complex strategies [...]

By |2019-03-10T19:08:06+00:00March 10th, 2019|Annuities|

401(k) Aged Based In-Service Withdrawals Move to Safety

Most 401 (k)s offer investment options such as mutual funds. Investment options in the mutual funds can be stocks or bonds or a combination of both. As we age, providing a layer of safety and security to our 401 (k) seems only prudent. As an option, your 401 (k) will also offer a stable money investment option. These options could include a money market account. The problem with money market accounts is the yield, a yield which may not keep up with inflation.

By |2019-03-06T06:48:24+00:00March 8th, 2019|401(k) Rollovers, Annuities|

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 |2019-02-19T16:03:55+00:00March 8th, 2019|Annuities|