“1035 exchanges allow people who own an annuity to swap it tax-free for another annuity. They don’t work well for everyone, however.” Robert Layman A common problem with an annuity contract is that it can be extremely challenging to get out of one once you have it. This is because you may incur significant surrender […]
“Sometimes it’s necessary to get real with ourselves when it comes to planning for the future, even if the truth isn’t so appealing. – Bob Layman Self-deception and denial are part and parcel of the human experience. There is a place in life for cheerful optimism and hope. However, when it comes to money and […]
“When you are paying more for bread and butter, it’s hard to remember that inflation can have both negative and positive effects on an economy.”-Robert Layman Inflation has a well-deserved bad reputation. It is, after all, a direct cut to your paycheck because your money buys fewer goods and services necessary to maintain your lifestyle. […]
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