About Bill Broich

Bill Broich is a well-known annuity expert with over 30 years of experience. He has written hundreds of articles on annuities and other financial topics, and has been a featured commentator on TV, Radio and the Internet.

Toll-Free: (360) 701-6209 | GVA, Annuity.com | Email: bbroich@msn.com

There Is A New Sheriff In Town

There is a new standard for portfolio management: Fixed Indexed Annuities Volatility and anxiety seem to walk hand in hand. Because of uncertainty, many retirees and pre-retirees are more concerned about their financial future than since the Great Depression. The question is where and how do Americans save, and how are their savings affected by [...]

By |2021-04-13T14:23:22+00:00April 13th, 2021|Annuities, Bonds, Retirement Planning, Uncategorized|

The Longer You Live The Longer You Live

"I have felt for a long time a sense of pride, a sense of victory, a sense of life achievement when it comes to our products and how they have evolved." Bill Broich   The simple fact is this; our product guarantees its promises. How many products that you use in your daily life can [...]

By |2021-03-06T21:52:22+00:00March 6th, 2021|Annuities, Annuities 101, Retirement Planning, Uncategorized|

Running Out of Money Before You Run Out Of Life

The devastating effects or living too long (the longevity crisis) and not having enough funds to maintain an anticipated quality of retirement is a real concern. LIMRA reports: The average life expectancy for a person who reaches the age of 65 is 83 for males, 86 for females. LIMRA purports that the proper way to interpret these statistics is to assume half of all males who reach age 65 will live past 83 and half of the females who reach that age will live past 86. Half of all couples who reach age 65 will have one partner hit 90.

By |2020-11-24T15:05:08+00:00November 24th, 2020|Annuities, Retirement Planning|

Six Common Designations Used By Advisors And Agents

Choosing a member of your financial team is a task that you should never undertake lightly. After all, you will be sharing an intimate part of your life with someone you typically haven't known for long and probably don't know very well. Trustworthiness is an essential virtue for anyone you select as part of your [...]

By |2020-08-31T16:58:33+00:00August 26th, 2020|Retirement Planning|

Outsource Your Concentrated Risk To A Risk Bearer

    In the past year, coffee futures have dropped 18.35% in value; if you had based your financial future on coffee futures, your account could be worthless.  How about concentrating in a category that has risen?  Silver, for instance, has increased in value 25.57% in the past 12 months. The futures value [...]

By |2020-07-23T19:23:12+00:00July 23rd, 2020|Investing|

Self Direct Your Individual Retirement Account To Match Your Goals

"Evaluate your options, understand your choices, and be flexible.”– Bill Broich One of the most significant pieces of financial legislation enacted in the last 50 years was The Employee Retirement Income Security Act of 1974, better known as "ERISA."  ERISA was a direct response to the realization that most Americans did not have enough saved [...]

By |2020-07-20T10:29:13+00:00July 20th, 2020|Retirement Planning|

Annuities Have Surrender Penalties And That Is A Good Benefit

Annuity contracts allow for 10% of the account value to be withdrawn annually, this can be done all at one or more than once. If an annuity is used as an income stream, surrender penalties are waived. In the event of death almost always surrender penalties are waived for the beneficiary. In addition, most contracts allow for access to the account funds in the event of long term illness or terminal illness.

By |2020-05-13T16:59:13+00:00May 13th, 2020|Annuities, Retirement Planning|

Could Investing In Treasuries Be A Mistake?

US Treasuries are considered the safest investment in the world. The yield on US Treasuries over the past few months has created great concern over exactly where to deposit money that needs to be safe. US Treasuries have always been considered the safest possible place to keep the money. Since the Coronavirus scare drives the [...]

By |2020-04-13T19:52:23+00:00March 11th, 2020|Financial Planning|

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 |2020-04-15T21:44:11+00:00February 13th, 2020|Annuities, Annuities 101|