Imagine you are a farmer. You have been working the land for years, cultivating crops, and raising livestock. You have grown accustomed to the rhythms of the seasons, the unpredictable weather patterns, and the vagaries of the market. You have learned to adapt to the changing circumstances and to make the most of what you […]
Annuities are financial products that provide a stream of payments in exchange for an initial lump sum payment or a series of payments. The tax treatment of annuities can vary depending on the type of annuity and the timing of payments. Here are some of the most common tax options for owning an annuity: Deferred […]
Confusing information about selecting life insurance is normal. The reality is that there is never one type of anything that fits every situation. For example, would you like to see your barber or hairdresser and have the same haircut as the man or woman before you? When in a restaurant, is there only one option […]
Learn how to identify and recognize phishing scams Simply ask for it. That’s the easiest way for an identity thief to steal your personal information. People fall victim to phishing scams daily through emails, texts, or phone calls and mistakenly turn over important data. In turn, cybercriminals try to use that data to file fraudulent […]
Licensed security brokers sell variable annuities, and fees and expenses are included. Variable annuity sales are headed for their lowest annual sales in nearly two decades, since the mid-’90s, as their multi-year slide continues. Broker-dealers have been running from the current trend in “transparency” of products and are now turning to products with stronger […]
A new rule enacted by the Department of Labor governing financial advice provided by advisors has thrown the industry into a state of confusion and disarray. The “Fiduciary Rule” went into effect June 9, 2017; however, any enforcement of the rule has been delayed until January 2018. New DOL Commissioner Acosta has indicated the […]
“Just because annuities aren’t the best choice for some people doesn’t mean they aren’t good for anyone, no matter what those financial “gurus” on television say.-Steve Kerby I’m far from being a “doom and gloom-er,” but 2022’s tumultuous economic environment has me more than a little concerned about the many seniors with disproportionate amounts of […]
“Annuities have a monopoly on lifetime income creation. They are the only financial tool that gives you an income stream you cannot outlive.” Steve Kerby Over 70% of Americans admit they are ill-prepared to retire. This lack of preparation makes having a lifetime income stream more critical than ever. Most people I meet know intuitively […]
“You might be surprised to discover that much of what you hear about annuity products are either misleading or not true at all.” Steve Kerby Annuities are risk transfer products that have been around for hundreds of years. These contracts have a proven record of success, protecting your principal while delivering streams of lifetime income. […]
“Between 1992-2012, an area of ranch and farmland the size of the state of New York went out of production. One of the reasons was a lack of retirement and succession planning.”- Steve Kerby. America faces a demographic crisis threatening to upend our financial, healthcare, and retirement systems. By 2030, it’s projected that 1 in […]
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