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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]