Fixed Annuities Have Never Been So Sexy

Newsletter

When I started this website it was all about fixed annuities.  A good fixed rate will solve any problem in retirement and beat the projections of every long-term guarantee.  Running the numbers and learning how to analyze solutions provided the inspiration to start spreading my message.  Unfortunately it wasn’t long before rates started dropping.  Multi-year […]

Don’t Sell Stocks. Do This Instead.

Newsletter

You should all know by now that I’m one of the few annuity proponents that has always said that you need stocks to achieve growth.  No matter your risk tolerance it has always been more appropriate to compare annuities to other safe allocations and I’ve mostly picked on bonds because of the risk associated with […]

Ideas for Times Like These

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There must be some value in all the things I’ve written about on this website.  After all, I live in the world you are trying to figure out.  My job is meant to help people plan for times like these.  Loyal readers have heard it a hundred times and clients/friends know exactly what I’m talking […]

People Who Don’t Listen to Me

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This job comes with its fair share of criticism but rather than complain I reserve the right to remind everyone when I called the shot.  I didn’t specifically see this week coming because I prefer the casual approach.  I thought it would be more consistent and gradual and have only been hinting at it for […]

Double Digit Annuity Yield

Newsletter

Everybody wants it.  Salesmen promise it without regard to reality and I always say it’s possible but don’t expect it consistently.  Honestly I’ve seen it happen several times and the likelihood depends a lot on crediting methods or the index tracked, not to mention a pretty hot stock market. This is not the highest I’ve […]

What’s Your Risk Reduction Plan for 2020?

Newsletter

This year started just like the last ended.  The stock market continued to climb early in January and the prospect of the bull market reaching new highs in 2020 was a real possibility.  I’ve talked to several people who had a lot of fun watching assets grow substantially during the second half of 2019.  What […]

Why it’s Hard to Find the Best Deal

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I’ve seen dozens if not hundreds of people over-analyze product selection.  If a strategy or idea is accepted, many people stall out when trying to decide which product is the best option.  Since I favor the approach of asset protection and maximum growth it’s possible that I’m responsible for creating this roadblock for some because […]

Comparison of Two Retirement Plans

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Last year at about this time I got a call from Roger and it inspired me to make his situation the subject of a newsletter.  A few years prior he had put a plan into place based on advice from a CFP and had started to question the plan.  He found this website and wanted […]

Long Term Care and Annuities

Newsletter

It’s a major selling point of many contracts and an easy sales pitch.  “You’ll get a long-term care enhancement if you need it so it’s a win/win!”  Insurance companies didn’t become the most stable financial institutions by giving things away so if you really want long-term care than you need to look at all the […]

Why Would an Annuity Make Sense in 2019?

Newsletter

Annuities barely get a passing thought when the market approaches record returns.  Short-term exuberance is addictive and very few people can remove emotion from investment decisions.  Well 2019 was a year that paid off for everyone who stuck with it.  Trade tensions have eased and the economy seems to keep growing steadily so it may […]

Final Wisdom: Annuities and 2019

Newsletter

It has been an interesting year and quite the opposite from how last year ended.  In December 2018, the market was down and interest rates were up.  Now the market is up and interest rates are back down.  Since most of you are checked out for the holidays I decided to skip the heavy content […]

Good, Better or Best Way to Use an Annuity?

Newsletter

There are all sorts of good things a person can do with annuities.  Some annuities work better than others, depending on your goals.  But there really is only one BEST way to use annuities that will help solve nearly all the problems in retirement.  I’m not trying to convince everyone to like the products.  Each […]

2019 Annuity Index Performance Comparison

Newsletter

In many cases, once a person decides he or she likes the idea of using an index annuity they always want to find the best annuity for maximum performance.  As much as I tell people the strategy is more important than the product, there are plenty of people who dig a deep hole by comparing […]

The True Cost of Volatility

Newsletter

Gains in the stock market are great but losses create stress. It’s high times on Wall Street right now and any painful experiences of the past are distant memories for most people. Even so, volatility is the top concern for a majority of people who are exploring the possibility of using annuities in retirement. Most […]

How Fees Affect Investment Performance

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Volatility is probably the biggest concern of most people I meet, but fees may be just as bad for total performance.  Paying fees for any type of investment or manager is palatable for some and not for others.  There are several ways a fee can erode investment gains but the highest cost may not be […]

Case Study: Wealth Accumulation with Annuities

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I talk a lot about how my strategies are different so this week I’m going to show you a real-life example.  Not all recommendations were my idea in the beginning.  I learn as much from my clients as they learn from me.  As cheesy as it may sound, teamwork is the key to financial success […]

What if an Insurance Company Goes Bankrupt?

Newsletter

Tons of people ask this question and those who don’t are probably thinking about it.  Annuities are supposed to be safe so what happens if a company fails?  Most people understand that every state has a guaranty fund for insurance contracts but there’s a lot that needs to happen before that even comes into play.  […]

Why I Like Annuities

Newsletter

There may seem to be an obvious explanation but then again maybe not.  It’s not at all because of how much money can be made, although more than one person has declined to do business with me simply because each thought I would be making too much money on the deal.  Being able to make […]

How to Get out of an Annuity

Newsletter

Much of the work I do and the strategies I have created are based on debunking popular myths about annuities.  Not all contracts do what Ken Fisher warns against and most people trashing the products are only trying to sell magazines or another financial product.  Everything has a negative side so you have to keep […]