Attending webinars is a big part of this job. I probably have time for about two per week but there are dozens more available on topics relating to all sorts of retirement products and strategies. There’s definitely an opportunity in this business to be a professional student and I have to be fairly picky with […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-02-28 08:03:082021-02-28 08:03:08Guaranteed Success in Retirement
Late last week someone emailed to ask for my take on an article about indexed annuities from John, the Vice President of Research at Morningstar. Given the writer’s experience with financial markets, I was curious to see whether he’d give annuities a fair assessment. But it turns out that he doesn’t know a whole lot […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-02-21 07:38:152021-02-21 07:53:31Pros and Cons of Expert Annuity Advice
Uncertainty is one of the greatest roadblocks that stands in the way of creating a solid retirement plan. It comes in many forms that don’t always relate to the direction of equity markets, interest rates or general economic forecasts. Yes, uncertainty does affect every person’s ability to know when to make changes but it also […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-02-13 17:13:162021-02-14 15:47:05Where Do Index Annuities Fit?
Well it turns out that there is something of a fourth installment of my series that I was supposed to have finished last week. I’ve told enough stories and you all are probably tired of it. Let’s add some numbers so I can show you how my learning, evolution and solutions stack up to a […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-02-03 11:49:162021-02-03 11:49:54Annuities by the Numbers
The first six or seven years of my career in financial services was not always easy but it was simple. I learned the basic fundamentals of good planning and figured out how to look at things critically in order to find solutions for those who were able to think outside the box. In the early […]
Like I said last week, it was all fixed annuities for me in the beginning. It may sound boring but if those same rates were available today then I’d spend every hour of the day completing applications. The pain from a market correction in 2001 was real and several people understood the value of asset […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-01-19 10:54:302021-01-23 07:27:24Part II: My Annuity Evolution
My wife and I don’t agree on politics, so we don’t talk about it. I’ve always been up for a good argument or debate but she doesn’t like confrontation. Whenever the topic comes up it’s unintentional. She asked me how I became such a conspiracy theorist. Well that makes me sound like a bit of […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-01-14 11:50:392021-01-19 11:04:31Part I: How I Learned about Annuities
Before we look forward to all the things that may change this year let’s get our bearings and review the past year. You’ve all heard me say over and over that perspective is important and that’s never truer than when we may be facing a dramatically different financial environment. 2020 was an interesting year to […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2021-01-10 08:34:552021-01-10 21:53:50Review of Annuities and 2020
More than a dozen people have asked me about this in the past month which tells me that many multiples of that have also seen it. Allianz has always had the largest distribution system for index annuities and that’s why so many people see the products, not because there is an incredible value for consumers. […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-12-18 12:36:482020-12-18 14:09:21Allianz Benefit Control
Payouts on income annuities have been low for years. It’s a situational problem since in some scenarios a person can get a really good deal. But for the average retiree the numbers don’t always seem to be compelling. Early in 2020 I decided to introduce people first to the most complex use of the Flex […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-12-12 12:17:092020-12-13 09:39:4320% More Income
This started last year as an exercise for one person who wanted to see all growth options in one place. It can be hard to decide which annuity to use when so many people will tell you that one product is better than the others. Not a whole lot has changed but a few things […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-12-06 07:33:522020-12-18 10:53:022020 Annuity Index Performance Comparison
Using a good indexed annuity, with the right perspective and strategy, can solve all the concerns a person might have in retirement. This week is a shout out to Carl in Florida who bought one from me about five years ago. Carl came to visit last summer and after several years of working together we […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-11-27 09:41:332020-11-27 09:41:33Index Annuities Have Evolved
Two years ago the S&P 500 hit an all-time high, just shy of 3000 points in the fall of 2018. It was a level that seemed almost unthinkable. Bulls were arrogant and bears were skeptical or maybe just jealous because they missed out on the rally. By the end of the year sentiments had switched […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-11-20 17:11:002020-11-22 10:30:05Case Study: Annuities and Volatility
I was supposed to be out of the office for 3-4 days but when the call came saying I wasn’t allowed to come home for a while, it turned into me being away for almost three weeks. It didn’t take long to realize how ill-prepared I was for that type of absence. Had I known […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-11-13 15:03:572020-11-14 07:07:40Annuities Can't Solve All Problems
Not everyone gets to choose when to retire. Quite often I meet people who have been forced out of the workplace for any number of reasons. When this happens, retirement decisions have to be made when people are not mentally prepared. This year it has been a much more common occurrence because of Covid layoffs […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-10-08 12:52:082020-10-11 14:16:37A Clear-Cut Case for Annuities
This is a question that has a different answer for every individual. I try to keep things a lot more open than the traditional management crowd that suggests a specific blend of stocks and bonds depending upon age and retirement needs. Some people replace stocks with annuities and some replace bonds. Some people put almost […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-10-01 13:46:102020-10-03 06:47:11How Much Should You Put into an Annuity?
SPOILER: I really don’t think so. Regardless, dozens of people have commented that they either need to do something before or after the election. There is a fear from both sides that things in this country will go south if the preferred candidate doesn’t win. Will taxes go up? How will health care change? Will […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-09-24 11:56:272020-10-02 13:19:52Will This Election Ruin Your Retirement?
I graduated from college almost 20 years ago. When I think back to that single point in time it seems as if those 20 years just disappeared. At a college reunion last year it took me by surprise to truly feel as if those times happened just last week. Many of you may feel the […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-09-12 06:52:482020-09-12 06:04:20Annuities Slow Down Time
Two years ago I walked onto a car lot to take a look at new trucks just to see what was available. My truck is old but in good shape so I have no expectation of needing a new model for several years. That didn’t keep the salesman from telling me how much better a […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-09-05 00:21:252020-09-05 10:31:10Annuity Sales v. Advice
Most of you should know by now that I operate differently than others who advertise online for financial services. Last week my marketing partner, Jeremy, came here from Texas so we could brainstorm some new ideas for getting people the exact type of information they want. Keeping this environment low pressure for you is a […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2020-08-28 10:05:092020-08-28 10:05:09I Don't Care if You Buy an Annuity
Guaranteed Success in Retirement
/5 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonAttending webinars is a big part of this job. I probably have time for about two per week but there are dozens more available on topics relating to all sorts of retirement products and strategies. There’s definitely an opportunity in this business to be a professional student and I have to be fairly picky with […]
Pros and Cons of Expert Annuity Advice
/7 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonLate last week someone emailed to ask for my take on an article about indexed annuities from John, the Vice President of Research at Morningstar. Given the writer’s experience with financial markets, I was curious to see whether he’d give annuities a fair assessment. But it turns out that he doesn’t know a whole lot […]
Where Do Index Annuities Fit?
/4 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonUncertainty is one of the greatest roadblocks that stands in the way of creating a solid retirement plan. It comes in many forms that don’t always relate to the direction of equity markets, interest rates or general economic forecasts. Yes, uncertainty does affect every person’s ability to know when to make changes but it also […]
Annuities by the Numbers
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonWell it turns out that there is something of a fourth installment of my series that I was supposed to have finished last week. I’ve told enough stories and you all are probably tired of it. Let’s add some numbers so I can show you how my learning, evolution and solutions stack up to a […]
Part III: Annuity Solutions
/1 Comment/in Annuity and Retirement Income Articles /by Bryan AndersonThe first six or seven years of my career in financial services was not always easy but it was simple. I learned the basic fundamentals of good planning and figured out how to look at things critically in order to find solutions for those who were able to think outside the box. In the early […]
Part II: My Annuity Evolution
/1 Comment/in Annuity and Retirement Income Articles /by Bryan AndersonLike I said last week, it was all fixed annuities for me in the beginning. It may sound boring but if those same rates were available today then I’d spend every hour of the day completing applications. The pain from a market correction in 2001 was real and several people understood the value of asset […]
Part I: How I Learned about Annuities
/1 Comment/in Annuity and Retirement Income Articles /by Bryan AndersonMy wife and I don’t agree on politics, so we don’t talk about it. I’ve always been up for a good argument or debate but she doesn’t like confrontation. Whenever the topic comes up it’s unintentional. She asked me how I became such a conspiracy theorist. Well that makes me sound like a bit of […]
Review of Annuities and 2020
/6 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonBefore we look forward to all the things that may change this year let’s get our bearings and review the past year. You’ve all heard me say over and over that perspective is important and that’s never truer than when we may be facing a dramatically different financial environment. 2020 was an interesting year to […]
Allianz Benefit Control
/2 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonMore than a dozen people have asked me about this in the past month which tells me that many multiples of that have also seen it. Allianz has always had the largest distribution system for index annuities and that’s why so many people see the products, not because there is an incredible value for consumers. […]
20% More Income
/6 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonPayouts on income annuities have been low for years. It’s a situational problem since in some scenarios a person can get a really good deal. But for the average retiree the numbers don’t always seem to be compelling. Early in 2020 I decided to introduce people first to the most complex use of the Flex […]
2020 Annuity Index Performance Comparison
/3 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonThis started last year as an exercise for one person who wanted to see all growth options in one place. It can be hard to decide which annuity to use when so many people will tell you that one product is better than the others. Not a whole lot has changed but a few things […]
Index Annuities Have Evolved
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonUsing a good indexed annuity, with the right perspective and strategy, can solve all the concerns a person might have in retirement. This week is a shout out to Carl in Florida who bought one from me about five years ago. Carl came to visit last summer and after several years of working together we […]
Case Study: Annuities and Volatility
/1 Comment/in Annuity and Retirement Income Articles /by Bryan AndersonTwo years ago the S&P 500 hit an all-time high, just shy of 3000 points in the fall of 2018. It was a level that seemed almost unthinkable. Bulls were arrogant and bears were skeptical or maybe just jealous because they missed out on the rally. By the end of the year sentiments had switched […]
Annuities Can’t Solve All Problems
/7 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonI was supposed to be out of the office for 3-4 days but when the call came saying I wasn’t allowed to come home for a while, it turned into me being away for almost three weeks. It didn’t take long to realize how ill-prepared I was for that type of absence. Had I known […]
A Clear-Cut Case for Annuities
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonNot everyone gets to choose when to retire. Quite often I meet people who have been forced out of the workplace for any number of reasons. When this happens, retirement decisions have to be made when people are not mentally prepared. This year it has been a much more common occurrence because of Covid layoffs […]
How Much Should You Put into an Annuity?
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonThis is a question that has a different answer for every individual. I try to keep things a lot more open than the traditional management crowd that suggests a specific blend of stocks and bonds depending upon age and retirement needs. Some people replace stocks with annuities and some replace bonds. Some people put almost […]
Will This Election Ruin Your Retirement?
/4 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonSPOILER: I really don’t think so. Regardless, dozens of people have commented that they either need to do something before or after the election. There is a fear from both sides that things in this country will go south if the preferred candidate doesn’t win. Will taxes go up? How will health care change? Will […]
Annuities Slow Down Time
/1 Comment/in Annuity and Retirement Income Articles /by Bryan AndersonI graduated from college almost 20 years ago. When I think back to that single point in time it seems as if those 20 years just disappeared. At a college reunion last year it took me by surprise to truly feel as if those times happened just last week. Many of you may feel the […]
Annuity Sales v. Advice
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonTwo years ago I walked onto a car lot to take a look at new trucks just to see what was available. My truck is old but in good shape so I have no expectation of needing a new model for several years. That didn’t keep the salesman from telling me how much better a […]
I Don’t Care if You Buy an Annuity
/3 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonMost of you should know by now that I operate differently than others who advertise online for financial services. Last week my marketing partner, Jeremy, came here from Texas so we could brainstorm some new ideas for getting people the exact type of information they want. Keeping this environment low pressure for you is a […]