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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

Articles by Bill Broich


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

Annuities Dirty Little Secret Number 2: Great Products or Great Rip Offs?

February 7, 2022/in Annuities/by Bill Broich

The origin of annuities can be traced to the founding of the United States of America. The first recorded use of annuities was by the Presbyterian Church who used annuity concepts to provide for widows and retired ministers. Benjamin Franklin used annuities to provide for funds over a long period of time for his wife and for the cities of Boston and Philadelphia.

Securing Returns From Fixed Term Annuities

September 7, 2021/in Annuities/by Bill Broich

Profitable assets which offer fixed term annuities are a popular vehicle for investments. Faced with a volatile economy, one needs to think not only about securing your future with investments, but also investing in such a way that the investments themselves are secure.

Why you should consider a Solo 401k if you are Self Employed

June 7, 2021/in Retirement Planning/by Bill Broich

Investment choices made today can dramatically shape your financial outlook in the future.

Be sure to educate yourself in all aspects and options of your 401k plan, and meet with your personal financial planner on a regular basis to determine the best course of investment action for you.

Robo Advisors And The Loss Of Customer Service

March 21, 2019/in Investing, Retirement Planning/by Bill Broich

The financial industry is re-training their customer base to accept robo-advisors as actual customer service. What is the cost to consumers?

Billions In Fees Translates to Billions In Lower Retirement Income

March 16, 2019/in Annuities, Retirement Planning/by Bill Broich

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 […]

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

March 16, 2019/in Annuities/by Bill Broich

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.

Do You Know And Understand Your Risk Tolerance

March 13, 2019/in Investing/by Bill Broich

What does risk mean when it is concerning your retirement accounts? How do you determine your risk exposure? When considering risk decisions regarding retirement accounts the two most important factors are your current age and the number of years before you retire because as you age, you have fewer years to recoup market losses. Moving to more stable and safe options as we age can help remove the risk factor on a portion of your accounts.

Advantages of the 1035 Exchange IRS Code

March 13, 2019/in Annuities, Investing, Retirement Planning/by Bill Broich

A 1035 Exchange is the exchange of one insurance policy for a newer policy with no tax consequences. It offers an investor the opportunity to exchange an old, outdated insurance contract for a newer contract that offers beneficial features the investor now wishes to include. For example, a policy owner might choose a contract with lower costs, a higher death benefit, the drawing of monthly installments or different investment options.

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

March 12, 2019/in Annuities/by Bill Broich

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.

Get Started with Basic Estate Planning

March 11, 2019/in Estate Planning/by Bill Broich

Estate planning is really more about making decisions and being organized than it is anything else. Once you undertake the process decisions need to be made and once that is decided obtain the plan and materials necessary becomes a simple process. Here are a few things to be aware of and a list of items to consider.

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