There are a lot of times when a person doesn’t make a financial move they should have.  Every single person I talk to has a story about a missed opportunity.  That’s not as bad as when someone makes a financial move they should not.  In the world of annuities that happens too often and that’s […]

Last week I wrote about the wild year we are having in terms of not only what we see on the news but also how that has been affecting retirement portfolios.  The title if you recall is “A Wild 2019 and How Annuities Fit.”  More than one person commented that I failed to tell everyone […]

At times it seems as though everyone talks about yield as if they are able to get the highest possible growth from every asset they own.  I’ll admit that may just be my perspective because it often comes in the context of my recommendation to use an annuity to reduce risk without sacrificing growth potential.  […]

The thought of not having access to retirement assets is one of the biggest issues people have with annuities.  I think it’s funny when investment advisors, who have no intention of every giving up management of a person’s assets, claim that if you buy an annuity you will lose control of your money forever.  As […]

It’s a great question that I got a few weeks ago during a meeting and it stumped me for just a second.  Dianne and Fred have saved more than enough for retirement and their income needs are modest in comparison to the total portfolio value.  They are also young, both under the age of 60, […]

During Preparation for a meeting this week I was running numbers and comparing options for a couple in California.  They had recently been to a dinner seminar to get some answers to retirement questions.  Of course the follow-up meeting included an annuity pitch so they decided to do some research online to verify whether they […]

Regardless of your expectations when you first hit the website, you should know by now that I try to get everyone to think about annuities differently.  Most of you come here with a general interest in annuities, trying to find a solution to a specific problem.  If I join the chorus and just stick with […]

For the past year or so the Federal Reserve has been steadily increasing rates at every meeting.  Response from consumer product rates was similar as we saw modest rate increases in all types of financial vehicles.  Mortgages may be a touch more expensive but options for conservative savings gave people better opportunities for safe income […]

It’s the foundation of many retirement plans.  You all paid into it so everyone is entitled to receive something in return after years of contributions.  As part of planning for retirement you need to get an estimate of benefits and compare different strategies for getting the most from the system.  It makes retirement easier by […]

Lots of people tend to overthink big financial decisions.  It happens all the time with annuities.  When you’ve heard constantly from other sources that annuities are complicated then your search is started with a negative opinion, grounded in nothing but someone else’s opinion.  You’ve probably owned mutual funds before but I doubt that many of […]