When Will the Market Crash?

Newsletter

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

Newsletter

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

Newsletter

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

Newsletter

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

Newsletter

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 […]

Annuity Straight Talk Podcast

Newsletter

This week I am happy to introduce the culmination of a side project. It has taken nearly two months to get off the ground but will be a mainstay on this website for years to come.  The Annuity Straight Talk podcast will give everyone another option for consuming the information that will lead to sound […]

More Advisors Recommend Annuities

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A lot of things this year have been changing in my business but not in a way I would have expected even six months ago.  Since the beginning my focus has been on providing solid information and advice to consumers and that’s not about to change.  But rather than focus on finding more consumers I’ve […]

Which Annuity Would You Choose?

Newsletter

I ran into a standard example last week when Sharon scheduled an appointment and asked for me to review an annuity proposal she had received.  Without naming names I’ll say that the proposal came from a large national firm that advertises aggressively for index annuity sales.  I know well how the company works and have […]

Annuities in a Retirement Portfolio

Newsletter

Using annuities in retirement is an obvious choice whether the purpose is to create income, manage a portfolio or just grow money over time.  I’m becoming more direct with my commentary because several people who don’t like annuities have failed to come up with a reasonable alternative.  Sure you can get bonds, dividend stocks, REITs […]

Part II: Adjustable Index Annuity Rates

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Last week I tried to explain to everyone how rate adjustments work within an index annuity contract.  It’s an objective matter that offers little insight as to the structure but there is plenty of room allowed for the inquisitive mind to make a rational decision.  Even still, there are those who feel as though the […]

Index Annuity Rate Adjustments

Newsletter

This is one topic I should have addressed a long time ago.  Insurance companies retain the right to make changes to rates inside an index annuity contract and lots of people take that to mean they are getting the raw end of the deal.  It seems to show evidence of less control for the consumer […]

Smart Annuities

Newsletter

Safety and protection is the primary objective of using annuities.  Each type of annuity was created to protect your assets from at least one major risk in retirement.  Variable annuities let you invest in the market but protect you from taxes with non-qualified assets.  Fixed and fixed index annuities protect you from violent changes in […]