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. To follow Bill's profile, click here.
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Small Fees Can Mean Big Impact on Your 401(k) Growth

Seemingly insignificant charges in retirement plans can add up!   So much fine print goes unread. Few people realize how significantly 401(k) account fees can impact their retirement savings efforts. AARP recently conducted a poll of 401(k) participants and the results were eye-opening: 71% incorrectly assumed that they paid no account fees at all, and [...]

By |2018-11-29T20:09:06+00:00November 19th, 2018|Retirement Planning|

Father Knows Best

Recently, I read an article written regarding a financial institution exclaiming that annuities were too complicated for the average investor.  The article went on the explain that because of the complexity, investors should stick to products that were much simpler to understand.  Simple concepts and products recommended by the firm such as stocks, bonds, preferred [...]

By |2018-11-02T14:01:23+00:00September 12th, 2018|Annuities|

Health Insurance Expense Is Becoming A Major Concern

As with most Americans, I have been stunned by the continued cost of health insurance premiums as well as the decline in covered benefits. Recently, I was due for an annual checkup with my physician. What I wasn’t prepared for was the amount of out of pocket costs I was billed. Not only had my [...]

By |2018-11-02T14:02:00+00:00August 28th, 2018|Insurance|

Be Cautious Of Those Bearing Financial Advice

A recent report from the Government Accountability Office (GAO) revealed a considerable deficiency in the amount of savings set aside for retirement.   The report showed that in the group of 55-64, almost 55% of those households had little or no money set aside for retirement. For those who have saved for retirement in that age [...]

By |2018-11-02T13:58:56+00:00August 18th, 2018|Retirement Planning|

Life Insurance Benefits Optimization Opportunities

As we age, the need for a life insurance policy can change. Numerous opportunities may exist for you to make changes to your current life insurance policy to establish a different type of benefit.  •    Exchange: Exchange your life insurance policy for an annuity to develop an income stream. The life insurance cash value will [...]

By |2018-08-18T21:44:03+00:00August 14th, 2018|Insurance|

12 B-1 Fees And Distrubution Fees In Mutual Funds

Distribution fees in mutual funds are designed to cover ongoing marketing and support cost for services provided to owners of mutual funds. Distribution fees are paid to the sales organizations that provide the clients for the mutual fund company. 12 B-1 fees are subtracted from the mutual fund owners share value. These are fees paid [...]

By |2018-08-18T21:42:32+00:00August 10th, 2018|Investing|

Whole Life Insurance Or Term Insurance- Which Is Best?

An easy example of which to choose is based on a very hard to answer a question. How long do I need the protection? One fundamental thing to understand is that life insurance is not an investment, regardless of what an insurance agent tells you. Life insurance is for protection and protection only. The two [...]

By |2018-08-18T21:40:13+00:00August 10th, 2018|Insurance|

A Physicians Career and Protecting Your Retirement Funds With Fixed Indexed Annuities

  Imagine the life of a physician. Many years of study, financial hardships, long time periods as a resident, then a physician has to build a practice, investing more money and dealing with government regulations. Being a physician is not for everyone, and it is a tough career choice., but for many, it is also [...]

By |2018-08-18T21:34:15+00:00August 10th, 2018|Annuities|