Examine the different types of annuities and see if an annuity is the right fit for your retirement portfolio.

Understanding Income Riders

As I speak to so many callers to my Safe Money and Income Radio Show, I find that I spend a lot of my time undoing a lot of the misconceptions and even outright misrepresentations that a lot of them have about annuities and income riders. These problems arise because they have received bad information [...]

By | 2017-10-23T00:19:15+00:00 July 25th, 2017|Annuities, Retirement Planning|

Do Agents Use Annuities In Their Own retirement Plannings?

I get this question a lot from perspective clients, do you use annuities in your personal retirement planning? The simple answer is yes, absolutely. As a matter of fact, I have multiple annuities as part of my retirement portfolio. And, the reason I use annuities for my own retirement, is the same reason that anyone [...]

By | 2017-10-23T00:20:54+00:00 July 15th, 2017|Annuities|

Charitable Gift Annuities Can Provide Benefits

If you have big dreams, a big heart.....but a shrinking pocket book (and resources), then a Charitable Gift Annuity may be an option for you. As a professional Insurance & Retirement advisor, I have been asked, "What are some of the non-traditional charitable gift giving opportunities by which someone may support their church or favorite [...]

By | 2017-10-23T00:28:41+00:00 July 8th, 2017|Annuities|

Guaranteed Income Should Be Your Outcome

The other day I had a meeting with a couple, Mike and Susie, ages 60 and 56, they had heard my radio show on WBOB AM 600. I was getting all their financial information he was interested in what to do with his 401k (about $400,000), which was with a large investment company all in [...]

By | 2017-10-23T00:43:26+00:00 June 5th, 2017|Annuities|

4 Common Myths about Annuities

Corporate media is largely aligned against annuities. Could this demonization be driven by financial bias? Traditional financial institutions (Wall Street) spend huge amounts of money advertising on corporate media properties. What really is the truth about annuities?  How can one product be so loved and vilified at the same time?  It is because annuities are [...]

By | 2017-10-23T00:49:15+00:00 May 29th, 2017|Annuities|

Don’t Let Extreme Fees Ruin Your Retirement

 Last week I met with a couple (I’ll call Bill and Mary) planning to retire in two years. Over their working careers they had built up a nest egg of about $400,000. They are carefully taking steps to change their portfolio from an accumulation strategy to an income producing strategy as they prepare to stop [...]

By | 2017-10-23T01:09:30+00:00 May 27th, 2017|Annuities, Financial Planning|

4 % Rule or Annuity for Peace of Mind in Retirement (Don’t Worry – Be Happy!)

Today I’d like to discuss what makes retirees happy. To quote The Pension Research Council, 2003: “Research has shown retirees with greater amounts of guaranteed income show more satisfaction, worry less, and show fewer signs of depression”. (1) Now that sounds like a very sensible statement; however, from speaking with so many people over the [...]

By | 2017-10-23T01:17:09+00:00 May 22nd, 2017|Annuities|

Jim and Pam’s Most Excellent RV Adventure

Here’s a statistic you’ve probably read - each and every day since January 1, 2011, 10,000 Baby Boomers have been turning 65 and are retiring, heading to Social Security. And, they’re going to keep retiring, 10,000 per day every day, until the year 2030… Let me introduce you to one such couple - Jim and [...]

By | 2017-10-23T01:18:18+00:00 May 18th, 2017|Annuities|