Don’t Make Decisions after One Bad Day in the Market

Newsletter

It all started Tuesday.  During lunch I watched the market report and things were relatively calm but by the end of the day the Dow had lost roughly 800 points.  I was speaking to a prospective client at the time and he’s the one who told me about the drop. During our call he had […]

Don’t Put All Your Money in an Annuity

Newsletter

It happens more often than you’d realize and I saw it again last week.  I was meeting with Joe, who liked the idea of protecting some assets but had one major hesitation.  The only person Joe had spoken with was recommending he put all his investment assets in a fixed index annuity from Nationwide. This […]

The Debate Over Annuities in a Retirement Portfolio

Newsletter

Marketwatch recently published an article on annuities that is worth reading for one simple reason.  It will highlight the reasons why it’s so hard to make retirement decisions when annuities are involved.  This article has received a lot of attention and Marketwatch has been running it for a few weeks now so it seems as […]

Some People Don’t Need Annuities

Newsletter

As much as I say that every situation is unique, the truth is most people fit in one of several categories of retirement preparedness.  If you’ve ever spoken with me than you might remember me telling you a story of someone in a very similar situation.  It is helpful to see that others have been […]

Annuities and Inflation

Newsletter

Inflation is one of the biggest concerns retirees face.  The possibility that your retirement income won’t buy as much as the years pass can be frustrating and scary.  It’s actually more of a reality than a possibility so rather than just worrying about it, you need a plan that accounts for it Financial institutions know […]

Why People Don’t Buy Annuities

Newsletter

Well it may surprise some of you to know that I don’t sell an annuity to everyone who calls. Rational or not, plenty of people choose to not use annuities in a retirement plan or they just delay the decision because big commitments are hard to make. I spend a lot of time reviewing notes […]

Allianz 222 Alternatives Comparison

Newsletter

After analyzing the most popular fixed index annuity last week the most common request I received was for a comparison to products I would recommend.  So rather than just asking you to take my word for it I’m going to show you why the Allianz 222 is not as good as it seems.  In comparison […]

How Personal Risk Tolerance Affects Retirement

Newsletter

Over the past couple weeks we have talked about the indicators that allow you to decide when to time your exit from market-based securities. The idea is to give you some level of control so that you can decide when and how you retire rather than having market performance decide for you. So we had […]

Timing the Market Part II: Income Needs in Relation to Portfolio Value

Newsletter

It’s the comment I hear most often.  “I’m trying to decide if I have enough to retire.” Considering that for every time I get a question or comment there are several other people who are staying silent, I will assume that many of you need to answer this question. It can be a hard decision […]

Product Spotlight: Allianz 222

Newsletter

I come across this product more than any other and it’s no surprise.  The 222 is the highest selling annuity on the market.  It carries a serious bonus that has recently been as high as 30%.  In addition it gives you an extra 50% of any interest credited annually.  Sounds amazing, right? Well, it is […]

Part I: How Long Until You Retire?

Newsletter

To start this series let’s take a look at the first factor that will tell you how to appropriately time the market when planning for retirement.  Selling stocks at a high point sounds great but people tend to hang on a little longer than they should.  We are at a historic high right now but […]

When Is The Right Time To Buy An Annuity?

Newsletter

Managing retirement assets is stressful and it’s very difficult to not make emotional decisions.  Very few people are able to rely on objective analysis and it’s no surprise.  The old saying that fear and greed are the driver’s behind most decisions is absolutely true.  Given that all of you have seen some serious swings with […]

The Case for Annuities in a Retirement Portfolio

Newsletter

If you are going to consider using annuities in a retirement plan it’s necessary to start by improving on traditional advice.  If an annuity isn’t the better option then there’s no reason to buy one.  The only reason I sell annuities for a living is because I know there are many instances where an annuity […]

More Advice From the Mainstream

Newsletter

Comments and questions from the blog posts give me valuable feedback so I can refine my recommendations and create new ideas for retirement planning strategies.  Some comments are thoughtful, inquisitive and insightful while others leave me scratching my head in confusion. After last week’s newsletter we received a call from another advisor who accused me […]

Retirement Planning Checklist

Newsletter

Below is a basic list of items to consider when working to formulate an income plan for retirement.  Much of what makes up this list requires a more detailed explanation as to why you might run into trouble when taking advice from someone else. I’ve heard of some advisors telling clients of mine they don’t […]

How Interest Rates Dictate Planning Decisions

Newsletter

As investors approaching or in retirement you all need to understand a few fundamentals that will help you make the best decisions in regards to asset allocation.  With respect to this I’d like to talk about interest rates as an indicator that give you some idea of how to plan and what to expect from […]

AST Newsletter for August 4th, 2018

Newsletter

We’re going to start this off by talking about two of the more pressing issues that relate to retirement planning:  interest rates and market volatility. The Fed met this week and decided to delay a rate increase this quarter but confirmed plans for two more rate increases later this year.  I don’t mean to be […]

How an Annuity Can Increase Wealth in Retirement

Newsletter

I have made this claim during personal meetings with people and more recently updated a few places on the website to reflect the idea.  You can own an annuity that allows you to increase wealth through retirement.  It’s not the annuity that does this, it’s how you use the annuity that makes it work. This […]

Bonds vs. Indexed Annuities

Newsletter

  Bonds: The Traditional ‘Safe Money’ Choice Bonds are traditionally used as a safe, fixed rate asset in an investment portfolio. As retirement approaches, conventional wisdom is to shift to a greater concentration of bonds to decrease risk. Many people end up in bond funds that further diversify risk and return by actively trading multiple […]

Cons of Annuities

Newsletter

Most people approach the use of annuities in retirement planning with some sort of bias based on what they heard or read elsewhere.  There’s no shortage of negative opinions but you’ve got to consider where those opinions come from.  Typically you’re getting a perspective from someone who is in the business to sell you something […]