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

What Happens To Bonds and Annuities If Interest Rates Rise

Just a simple rate movement over time of 3% (3.25% discount rate) would reduce the actual value of all inforce US Treasuries by as much as 40% of their market value. Think what would happen if interest rates went even higher? Disaster would loom and trillions of dollars would evaporate if these assets were liquidated. Of course there would be a winner: the US Taxpayer. Treasuries would be replaced with a higher earning interest rate bond, but at a far less value a third of its market value of the original bond.

By |2019-02-19T16:02:25+00:00May 8th, 2019|Annuities, Bonds|

The Tax Deferred Annuity

A tax-deferred annuity helps manage tax liability   A tax-deferred annuity is a plan in which income tax on an original deposit of investment income is not charged during the investment period. The tax liability is deferred until the owner or beneficiary begins to receive (or accesses funds) periodic payments of earnings from the invested [...]

By |2019-02-27T20:14:48+00:00May 2nd, 2019|Annuities, Annuities 101|

If You Don’t Want To Be A Fool Quit Acting Like One

Only a fool would buy an annuity, right? Recently, a well-known financial columnist suggested that annuities were a “foolish” choice. He went on to make several points to build support for his position and to gain attention for himself. This person makes his living by being contrary, by suggesting the normal way of business is [...]

By |2019-02-19T16:03:06+00:00April 29th, 2019|Annuities|

Financial Dentistry

Financial Dentistry and the Often - Uncomfortable Process of Annuity Shopping   As a 20-year annuity agent, I began to recognize several years ago the uncanny parallel that the emotional process of shopping for an annuity, from your perspective as a consumer, is not all that much different than the psychological process of scheduling a [...]

By |2019-04-25T20:50:25+00:00April 25th, 2019|Annuities|

What Is The Definition Of Conjecture?

Conjecture: the formation or expression of an opinion or theory without sufficient evidence or proof I want you to absorb that definition because “financial conjecture” is a dangerous thing. Not only is it a dangerous thing when you accept financial conjecture from family or friends, but what about when it’s from a nationally recognized “financial [...]

By |2019-04-25T20:37:16+00:00April 24th, 2019|Annuities|

Has Conventional Money Wisdom Handcuffed You?

“The problem is too often, we simply accept conventional wisdom, which prevents us from considering other alternatives.” Roger Ibbotson, PhD It’s very telling that years after Roger Ibbotson developed the foundations of what we now consider to be “conventional money wisdom,” he has re-evaluated his position. Ibbotson, a respected economist, and former university professor created [...]

By |2019-04-23T03:25:57+00:00April 22nd, 2019|Annuities|

Consider Using Math And Science When Planning Your Retirement

Use math, science, and reason when planning your retirement First and foremost, I want to let you know that I would never try to sell you on anything. I have learned in my 40 years of experience that if I try to talk you into something; anybody can come right along and talk you out [...]

By |2019-04-22T15:40:15+00:00April 22nd, 2019|Annuities|