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

Know Your Annuity Contract: Nursing Home Waiver

Almost all newer annuity contracts have a provision in them to allow access to all or most of your funds without penalty in the event of a need for a nursing home. The greatest fear of most senior adults is being confined to a nursing home and not being able to live in dignity. Annuity [...]

By |2019-04-11T06:40:34+00:00June 7th, 2019|Annuities, Annuities 101|

What Is The Best Annuity?

What do you want the annuity to accomplish for you? That question is best answered with another question. What is the purpose of the annuity? What would you like it to accomplish for you? Many companies and annuity marketing organizations will tell you about how great their annuity products are, and generally, their features and [...]

By |2019-04-11T22:47:43+00:00June 7th, 2019|Annuities|

Tax Deferred Annuity

Use tax-deferred annuities to manage your future tax liabilities   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 [...]

By |2019-02-21T20:45:20+00:00June 7th, 2019|Annuities, Annuities 101|

The Float, Warren Buffett, Annuities and You

The use of the money known as the “float” allows the insurance company to use the funds for investment. If a claim is never paid, the float can become a significant amount of investible capital. Warren Buffett discovered this concept years ago and has used the float to increase his investible assets.

By |2019-03-04T02:14:19+00:00May 13th, 2019|Annuities|

Investing Can Be Risky….Maybe Not!

The current state of the world economy is about as volatile as it has ever been since WWII. Many investors have run to safety and made huge purchases in the only one really safe vehicle available-US Treasuries. Buying Treasuries is definitely a safe investment option….or is it? It is true that US Treasuries carry no risk, no risk in your investment being lost. However, there is another risk associated with investing in US Treasuries.

By |2019-03-04T19:24:37+00:00May 13th, 2019|Annuities|

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|