“Instead of trying to compare fixed indexed annuities to securities, just as mutual funds, it’s better to look at an annuity as an insurance product.” Jim Fish During economic volatility and uncertainty, many turn to fixed indexed annuities (FIAs) for their safety and stability. Unfortunately, the marketing created for these products has caused confusion about […]
“When it seems as if the sky is falling, those who remain calm and focused on the long-term goals will come out ahead.” Jim Fish As a financial services professional, I walk a delicate tightrope. On the one hand, I am genuinely optimistic about the future, even in the face of a possible recession. On […]
“For many government employees, government life insurance may work well. However, there may be some shortcomings that make it worth looking into alternatives.”-Jim Fish. If you’ve been a federal employee for any time, you know that FEGLI (Federal Employees’ Group Life Insurance) benefits government workers. FEGLI is also one of the most extensive employer-provided insurance […]
“Will proposed changes to Roth IRA accounts impact the middle class or only the “uber-wealthy?”- Jim Fish One of the most contentious features of President Biden’s “Build Back Better” legislation is a proposal designed to prevent ultra-wealthy individuals and couples from taking advantage of Roth IRA loopholes. As you probably know, the government introduced […]
“Modern retirement, with its volatility and unpredictability, requires the use of multiple retirement income tools including annuities.” Jim Fish Adjusting to life without regular paychecks is challenging and stressful for many retirees. Maintaining even a modest lifestyle and addressing rising medical costs requires foresight, planning, and strategic execution. Modern retirement, with its volatility and unpredictability, […]
“Annuities provide guaranteed, predictable sources of income. But do pre-retirees with money in 401ks need to add them to their portfolios?”- Jim Fish Annuities have some undeniable advantages over other financial instruments. For one thing, annuities make retirement planning more accessible by creating a guaranteed source of predictable income that lasts a lifetime. Annuities also protect […]
“Nearly all benefits programs are rife with confusing terminology, deadlines, and endless hoops. This is especially true for private-sector employees who face a bewildering array of options and a dearth of good information.” Jim Fish It’s been said that simplicity is the ultimate expression of elegance. If this is the case, the world of employee […]
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