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 […]

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 […]

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 […]

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 […]

This one is sure to hit home with a few critics but there’s an important lesson here.  Surrender fees are probably the biggest negative that come with annuities.  Since most other investments have nothing like it, declining fees over the years are new to everyone who is a first-time user.  There is a reason they […]

About a week ago, someone signed up on the website, maybe read a couple emails and watched the Flex Strategy videos.  Rather than schedule an appointment to see whether it would work for him, he went and posted a question on the Bogleheads forum.  You can only imagine the response he got from all the […]

Boy would I ever love it if there was a best time to buy an index annuity.  Let’s say there was a three month period in the year that always produced the best returns.  I’d work 18 hours a day and seven days a week then spend the other nine months fishing saltwater flats and […]

It’s a common misconception that truly comes from an uneducated place.  You’ll often hear, “annuities would be fine if not for the hidden fees.”  In almost every case that is nothing more than a scare tactic because all but one annuity that I’ve seen has the fees clearly disclosed up front.  There is a reason […]

This started just one year ago.  A standard case came across my desk and I showed one couple how my approach might give them more control over retirement assets.  They had been to a seminar and got the usual pitch.  Being a few years from retirement they had already decided to protect some assets and […]

It’s time for me to pick on a couple different products that have proved to not be worth the hype.  About once a month, on average, I get an email touting the incredible opportunity of some new contract or index.  I look at all of them just to see if the claim merits me adding […]