As an investor considering annuities, you need to know as much as possible about the person assisting you to understand their beliefs and biases. This due diligence is especially important online when you might not meet face to face.
Annuities are financial products generally sold by licensed insurance agents. Some insurance companies have ‘captive’ agents who can only sell products of that company. Captive agents can easily spin this into ‘I have exclusive access to this annuity…’
But ‘Exclusive’ works two ways- a captive agent’s annuity may be exclusive to that company, but the rest of the annuity universe is excluded from that captive agent as well.
Bottom line, when selecting annuities, you should also be selecting the agent who you feel has your best interests at heart, has the best available selection, and who gives you the best service. That agent deserves your business, and we want Annuity Straight Talk to fill that role for you.
So What Is Annuity Straight Talk All About?
At Annuity Straight Talk, our Financial Planning practice focuses on Guaranteed, Safe Retirement Income.
We build Financial Plans from sources that offer the optimal combination of Safety, Flexibility, Profitability, and Longevity benefits that are appropriate to you, our Client.
In accumulation years, investors are bombarded with yield, funds, opportunities…and they take chances in exchange for growth. However, generating retirement income is an equally crucial component of financial planning that is sorely overlooked by the vast majority of investment professionals. Too often, there is a focus on yield, and risk is not truly understood or contained.
Most standard models call for investors to allocate a percentage of their money to stocks or bonds, and then target a withdrawal rate. Running multi-scenario and historical tests can give a probability of failure, meaning the risk of the investor outliving assets.
Well, the events of 2008-2009 stressed those models past breaking. Few thought of the possibility of losing 30-40% of their net worth, especially in the early years of retirment that are the most critical.
We view any probability of failure as unacceptable.
We view any probability of failure as unacceptable.
Retirement income planning- the rational de-cumulation of wealth- requires an honest assessment of needs first. Determining baseline income needs will produce a floor level of income to plan for.
Finding the right guaranteed sources of income- Social Security, Annuities, and Insurance- to fill the baseline retirement income needs of our clients, is our mission at Annuity Straight Talk.
So Who Are The People At Annuity Straight Talk?
Annuity Straight Talk is a collaboration of Bryan J. Anderson and Nathaniel M. Pulsifer.
Bryan J. Anderson
Most people need to know exactly who they are dealing with when seeking advice and information online. Taking the leap to do business remotely takes a tremendous amount of faith and confidence. I’d like to introduce myself so you can become comfortable enough to begin the conversation…
Nathaniel M. Pulsifer
From an early age I’ve enjoyed a real passion for investing and fixing things. It started with Bob Villa on “This Old House,” combining investment, skilled craftsmen, and a house with ‘good bones’ into a creative new use. But soon, I found the same skills and analysis could be applied beyond real estate, to finance and other businesses….
