Article

The five reasons not to buy an annuity. Really? Yeah. Not everybody needs an annuity. Every single video/ article out there has "five reasons to buy an annuity"

Let’s start by explaining what a qualified annuity is exactly. It's an annuity where you've used funds that has not been taxed like your traditional IRA, which leads me to a little bit of a rant. I get very sick and tired of stock-type advisors, fee-only advisors, and people who don't know our darn thing about annuities saying to never put an annuity inside of an IRA.

Today's topic is a good one. How renewal rates are the secret sauce, the secret formula, the secret to fixed indexed annuities. So let's do a little history lesson on fixed index annuities, the hottest selling product out there in annuity world. Indexed annuities were developed and introduced in 1995 as a CD type product.

As I’ve said before, you just can't say annuity because there's many annuity types, so it really comes down to the type of annuity that you either own or you're considering owning. The biggest thing with annuities is the fact that annuities are contracts, they're not investments with contractual guarantees.

A question I get asked often is, what percentage of your portfolio should be in annuities? Really good question but there are no perfect answers. And if anyone's giving you a percentage, they have no clue what they're talking about.

So the question is, what's the difference between a pension and an annuity? Is a pension the same as an annuity? We're going to go into that. Short answer is they're both lifetime income guarantees, but let's dig further and do a side-by-side comparison of pensions and annuities so you can understand what's out there.

A lot of people are calling me because they've inherited an annuity. Let’s cover some of the recent laws that affect inherited annuities and what you need to know so you can make an informed decision on your terms and on your timeframe.Okay. Inherited annuity. So you're a non-spouse. Let's talk about if you're just a non-spouse and you've inherited the annuity...

“Got guarantees?” should be the annuity industry's mantra to words because that's what they are. They're contractual guarantees. They're transfer of risk products, period. If you're a living, breathing, human-being with a bank account, then you're probably going to get pitched an indexed annuity by somebody because it's a good story.

Make sure you're getting the most out of your retirement and not falling into the common traps of the industry. Here are some key things to look for when comparing Pension Annuities vs. Lump Sums.

Are you tired of being fed Retirement Income advice with underlying annuity sales pitches? Let us walk you through what to look for to create a retirement plan that works the best for your specific situation.

Let us help you make sure you master all the details of your longevity annuity so you can decide if they will be an asset to your specific retirement plan. How does longevity insurance work? Longevity insurance solves longevity risk; you are solving for never outliving your money, which is a fear that a lot of people have. You're solving for that contractually.

Are you tired of being fed annuity advice with underlying sales pitches? Let us walk you through what to look for to create a retirement plan that works the best for your specific situation.What are the four types of annuities?

So what is a long-term care annuity? There are two types of long-term care annuities. The first type of long-term care gives coverage for you and your spouse or partner, including health insurance products that provide coverage.

A pension plan is an annuity payment that guarantees a lifetime income stream. Now, it depends on your employer, how they work and how they've set things up, whether you can add your spouse or partner to that lifetime income stream. It all depends on who you're working for and who your employer was.

There are many misconceptions concerning Inherited Annuities. Make sure you’re informed enough to avoid making costly mistakes. Can you cash out an inherited annuity? If you're the beneficiary of an annuity owner, you have the opportunity with most policies, not all, to cash it out.