Capital Gains Tax Deferral

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I know a lot but am far from knowing everything.  My quest to build a team of advisors across the country has opened me up to new ideas and strategies that I’ve never seen before.  This is one of the best new ideas and it can certainly provide a substantial benefit for anyone looking to […]

What if an Insurance Company Fails?

Newsletter

It’s a great question and you are justified to ask it.  Here is my explanation as to why annuities are basically the safest option for money in retirement.  The video below covers an old newsletter that needed to be updated with a little deeper explanation.  You can read the article or watch the video for […]

Part II: Basics of Income Planning With Annuities

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Income planning with annuities in retirement is not complex, regardless what any of the commercials on prime time TV suggest.  Taking things one step at a time is the key to simplifying the process. There are all sorts of differences between the things that are important in retirement.  This one specifically addresses a very simple […]

Part I: Maximize Social Security

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I wrote about this well over two years ago and since it comes up a lot in meetings, it was time to review and add this to the list of podcasts.  Even though it’s a review for many, hundreds of others may have not seen this contrarian opinion with numbers to back it up.  Popular […]

Annuity Alternatives

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I have several clients who own annuities but don’t want to take any risk at all.  A person should typically not ever have all assets in annuities but it’s hard to find additional options.  In cases like this it is appropriate to look at alternatives because diversification among safe assets is just as important as […]

Performance-Based Income Annuities

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There is nothing wrong with high expectations in retirement but annuities are not where you should place those expectations.  Annuities are meant to stabilize a portfolio and produce reasonable outcomes, regardless of external factors.  Even still, insurance companies and marketing organizations have continued to create index annuities with exceptionally impressive performance.  I don’t trust it […]

What Would You Do with an Old Variable Annuity?

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I get this question rather frequently and another one came up last week.  Should you keep an old variable annuity?  Of course it all depends on your goals but I plan to show you why it’s not an easy decision to make, especially when someone is trying to sell you another product. Variable annuities are […]

When Will the Market Crash?

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It’s on just about everyone’s mind right now.  Reaching new heights by the day in a way that defies logic.  Recent negative days almost make it seem normal but no matter how you look at it, the stock market is wildly overpriced.  Big business is doing well but small business is having a hard time […]

The Best Growth Annuity

Newsletter

In lieu of writing much this week I decided to record a video because it will be so much easier for you to see me run through this.  After all the build up over the past month or so with different products and strategies I’m finally getting to the path I like best.  No one […]

The Highest Annuity Payout

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This is a case that comes from my podcast co-host, Ashok Ramji.  And it’s important to understand that the highest payout with an annuity is not always the first choice for many people.  It’s one thing to not realize you didn’t get the highest payout contract and another to choose a lower payout for different […]

Income Annuities: Nationwide Mixes It Up

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I’ve been hitting this from several different angles all year so I figured it’s time to look at some real contracts.  This is how I work with the numbers to determine unequivocally which is the best path for each individual who asks me for help.  Aside from safety, guaranteed income is the biggest reason people […]

Annuities: Income v. Accumulation

Newsletter

First of all, there are a lot of people that think annuities are only for income.  Longtime subscribers to AST know that’s not the case but for anyone new it is an important point to understand.  Annuities are meant for protection and each type offers an opportunity to achieve any goal. Why is it important?  […]

Guaranteed Lifetime Withdrawal Benefits

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Everyone needs to know this is just like having social security except with a residual balance.  With social security, all the money you put into it is gone, unless your spouse collects a portion of the payments. With an annuity you can add a guaranteed income feature that acts just like social security.  Buy the […]

Annuity Sales Tactics

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I’ve been working with Lester for about three years now.  When he found me in 2018 it was after more than a half dozen dinner seminars and several more meetings to see specific proposals from each advisor.  He was tired because the insurance guys wanted him to have nothing but annuities and the investment guys […]

A Firefighter Who Sells Annuities

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All of us on the professional side of this business come to it for different reasons.  For me it was a way of using my college education.  Some were similar to me, others found the opportunity simply because he/she could make money, while a select few came because of personal interests that turned into a […]

Annuities for Inheritance

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I met an older gentleman, Charlie, about a month ago whose wife passed away a few years ago.  He is managing assets mostly for his three children but is keeping the same investment philosophy going forward.  He wants to minimize risk and taxes.  His major concern is that with the newly proposed ‘American Families Plan’ […]

When Variable Annuities Work

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Over the past few weeks, several people have called with concern regarding changes to a few of the longtime favorite vehicles for passing along assets to the next generation.  While I’ll talk more specifically about annuities in those terms next week, I thought following up the variable annuity article from a couple weeks ago would […]

AST Podcast Now Available on YouTube

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For those of you who enjoy the newsletter in Podcast format there is a new option.  All episodes will now be available with video on YouTube.  For awhile, Ashok and I were meeting in Spokane, WA to record episodes together but we have since purchased high quality video equipment so we can produce episodes from […]

A Simple Guide to Variable Annuities

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Variable Annuities (VAs) constitute 60% or more of annuity sales annually.  This surprises me simply because most negative information about annuities in general is based on the structure of variable annuities.  To me it doesn’t make sense that 60% of people in or near retirement would want the associated complexity and cost.  Be that as […]

Ammo and Annuities

Newsletter

Lately there are a lot of people asking about safety.  Although that is something everyone should consider, it seems to be a more pressing concern in the past few months.  There’s nothing new that should have people worried but it takes a different trigger for everyone.  Sure, federal spending is out of control but that’s […]