Bill Broich

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

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Annuity contracts allow for 10% of the account value to be withdrawn annually, this can be done all at one or more than once.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|

Concerned About Trusting An Insurance Company With Your Important Retirement Funds?

How safe is your fixed indexed annuity? Should you trust a fixed indexed annuity with your important retirement funds? What happens if an insurance company were to fail? These and other questions are vitally important and the answers may surprise you.

By |2020-04-14T00:04:18+00:00February 12th, 2020|Annuities, Retirement Planning|

US Treasury EE Saving Bonds: Good Idea Or A Stinker Idea?

Buying a US Treasury EE Bond can be a great idea if you want your funds held long term and have no need for the funds prior to their 20 year maturity. EE Bonds offer fixed interest rates for the life of the bond. The maturity period for EE Bonds is 20 years, if you redeem the bond in the first 5 years of ownership, there is a penalty affixed. EE Bonds offer safety, market yield and tax deferred interest compounding.

By |2020-04-15T20:58:54+00:00February 11th, 2020|Bonds|

Brokered CDs, Are They Right For You?

Typically Brokered CDs are long term commitments. A Brokered CD could have a term of 10 or 20 years. The value of the Brokered CD is set for the time duration offered by the bank. But the actual value of the Brokered CD changes daily based on general interest rates available to the consumer. In many ways Brokered CDs are the same as a bond, the bond will pay a specified interest rate for a specified time periods but if the bond is sold prior to maturity, the actual amount received by the bond owner may be higher or lower than the face value.

By |2020-04-13T19:22:20+00:00February 6th, 2020|General Business|