There is a new standard for portfolio management: Fixed Indexed Annuities Volatility and anxiety seem to walk hand in hand. Because of uncertainty, many retirees and pre-retirees are more concerned about their financial future than since the Great Depression. The question is where and how do Americans save, and how are their savings affected by [...]
"Will the future be surviving a financial Armageddon? Big Stock Market increases of wild Market swings that keep you up at night?" - Ray Cessna There are times in your life that you will never forget!! Dates that you know exactly where you were and what you were doing. Would your grandfather say he was [...]
"Money, like emotions, is something you must control to keep your life on the right track."― Lyle Boss This is a great example of what happens when greed takes over and teaches you hard lessons. Frank retired in 1999 and at that time, interest rates were much higher than they are today. Our firm was [...]
"Happily ever after" is typically the ending to a fairy tale. But it's more than that. It's also the way we want to retire. What does it take to have a long and happy retirement? This has been the subject of study by Ph.D.'s in countries around the world. Before I go on, how would [...]
Let me pose this question, do you insure your home? Your Cars? Your valuable possessions? Of course, you do. Why? Because you do not want to be exposed to risk or loss, you pass that obligation to a risk bearer, an insurance company. It is just human nature to wish to protect [...]
I am a “visual” type thinking person. So, I was thinking of ways to further describe the FIA, knowing that it's a different language. I have spoken this language for the better part of 18 years; realizing that sometimes in the communication of a different language, there is a loss of meaning and or interpretation. [...]
Many investors see the stock market as a way to get rich quick, but if they don’t understand their investment, or how the stock market works, they could be in for trouble.
Which animal is smarter? It all depends. Let me explain: In Isaiah Berlin’s famous essay, he divided the world into hedgehogs and foxes, based upon an ancient Greek parable. “The fox knows many things, but the hedgehog knows one big thing.” The fox is a cunning creature, able to devise a myriad of complex strategies [...]
What Your Broker Doesn’t Want You To Know About Variable Annuities Disclaimer: In the early part of my career, I was licensed to sell variable annuities; I no longer maintain my securities license. The article below is gleaned from a wide array of information available to anyone; all you need to know is where to [...]
A year ago, August 29, 2017, I was sitting in my home in the dark, safe and secure for the time being, nervously anticipating the arrival of a destructive force of nature called Hurricane Harvey. I live in Houston, Texas. As was reported through 24/7 media coverage, Harvey landed on [...]
