Determining Annuity Rates is a daunting task….. For advisers who do not listen intently to their clients.
However for advisers who do their job properly, and for their lucky clients, the process is to clearly define the goals, objectives, and timeline, and only then to find the right tool for the job.
Focusing on rates [...]
Continue Reading →The Free Withdrawal from your Annuity is a critical Decision Tool that any Annuity buyer must carefully consider. Every annuity contract contains a clause allowing the free withdrawal of a certain percentage of the initial premium each year without a surrender charge. Individual states have laws that dictate a minimum percentage. Typically, the amount of [...]
Continue Reading →Want to know the ONLY time to consider a Bonus rate in an Annuity Decision? Many products include attractive bonus interest rates. Some annuities offer bonuses as high as 10% or more just for signing up.
Companies lose money on this from the start!
Like what you see here? Then Sign Up For More!
Continue Reading →Useful Resources
Recent Posts
- Low Rates Expected Until 2014
Arguably the most damaging effect of low interest rates is the impact it has on people approaching retirement and looking for more safety. Traditional safe havens such as CDs pay very little interest in relation to the time commitment required. And I’ll admit that selling annuities in this climate is challenging to say the least.
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- Calculating Yields in the Secondary Market
Nearly every time we send out an email with new secondary market annuity offers, several inquiries come back with people asking how the return is calculated.
Let’s see an example that everyone can relate to…
Assume a purchase price of $282,951 where monthly income payments of $1500 begin one month from today and continue for [...]
- On Cashing Out In Retirement
The tools used to maximize pre-retirement asset accumulation are not the tools of retirement income generation. Maximizing retirement income is just outside the scope of expertise for most traditional advisors and individuals because of the biggest unknown: life expectancy.
An individual seeking to maintain full control over their money, and setting their own withdrawal rate, [...]
- The $440 Billion Pension Gap
This distressing article highlights the issues pensions face meeting their promises to retirees. According to the article, 14% of the nations workforce still participates in some sort of employer sponsored, defined benefit plan. Yet, "The third quarter 2011 was the second worst in history for pension liabilities," due primarily to unrealistic assumptions and enduring low [...]
- Low Rates Expected Until 2014
Visitor Feedback
"I did get the “Variable Annuities With Guaranteed Lifetime Withdrawal Benefit. Get the Facts before you Invest”.
It is a fantastic report, very well written and much easier to understand than any similar report I’ve seen. Job well done. Thanks."
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Thank for your adroit analysis of annuities. Finally, a decision making tool that is designed for those who are trying to make prudent financial decisions regarding retirement.
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Subject: Brilliant Article, Bryan
Thank you for your clear headed analysis of the GLWB. I was just informed about this route to consider... and I just came circling back to what the underlying foundation was, and if it seemed to good to be true (as you pointed out) and if the upside was very good. I'm just beginning this process of investigation and really appreciate your candid, honest and informed article
Karen, Ezine Articles Comment
Subject: The Annuity Report:
BRIAN, I READ IT IN IT'S ENTIRETY, IT IS GREAT, I AM SO GLAD TO HAVE THIS REPORT, THANK YOU EVER SO MUCH. HOWEVER, I HAVE SAVED IT IN FILE TO READ AGAIN. IT'S LIKE READING THE BIBLE FOR THE FIRST TIME, YOU MUST READ IT OVER AND OVER.
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Subject: Retirement Analysis:
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