Straight Talk on Fixed Index Annuities
Few products generate as much confusion and controversy as fixed index annuities, both pro and con. We’re often asked if these products are any good.
Want the Straight Talk? Money managers dislike fixed index annuities because they lose management assets and many insurance agents simply don’t do a [...]
Generally speaking, Fixed Annuities and Variable Annuities offer add-on Annuity Benefits and Options. These can add significant cost to your annuity. The following are the key riders to watch out for…
With added benefits come added expenses so be selective when you choose extra features and definitely do your homework so you know exactly what [...]
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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”.
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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
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Karen, Ezine Articles Comment
Subject: The Annuity Report:
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Subject: Retirement Analysis:
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