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

One Huge Benefit for Annuity Owners

Almost all new annuity contracts provide an immediate benefit. Is it income? Is it safety? Is it freedom from market risk?  The answer to those questions is yes! Plus more. That’s the nursing home waiver. Annuity contracts have a provision that allows annuity owners to access most or even all the funds in the event [...]

By | 2017-10-23T01:37:11+00:00 April 18th, 2017|Annuities|

The No Exposure To Loss Gambling Machine

If you had the opportunity to gamble in Las Vegas but were guaranteed that you would never lose, would you go?  Can you imagine the chaos that would envelope Las Vegas’s casinos if everyone won? Of course, we know that is only fiction and to make Las Vegas work there has to be both winners [...]

By | 2017-10-23T01:49:10+00:00 April 12th, 2017|Annuities|

Annuities – Confused? – Keep It Simple!

As I speak with callers to my Safe Money & Income Radio Shows, I hear all sorts of ideas about what annuities are and what they can do. There is a lot of good information available, but at the same time there is a lot of conflicting information that leaves many people leery about even [...]

By | 2017-10-23T01:55:22+00:00 April 11th, 2017|Annuities|

Variable Annuity Sales Take Another Big Hit

Variable annuity sales are headed for their lowest annual sales in nearly two decades, since the mid 90’s, as their multi-year slide continues.  Broker dealers have been running from the current trend in “transparency” of products, and are now turning to products with stronger guarantees: fixed indexed annuities. (FIA) Sales of variable annuities are down [...]

By | 2017-10-23T02:03:08+00:00 April 5th, 2017|Annuities|

Annuity Sales Are Predicted to Grow In These States

Nearly 3 million people are likely to purchase fixed index annuities (FIA) in 2017. Three states lead this annuity buying increase: Texas, Florida and California with an estimated 720,000 households likely to purchase an annuity. California makes up 325,000 of those, a stunning 16.5% growth-rate over three years. Those three states make up 26% of [...]

By | 2017-10-23T02:11:55+00:00 April 3rd, 2017|Annuities|

Should An Annuity Be A Part of Your Retirement Portfolio?

Since 2014 the number of Americans retiring has increases to 4 million annually, more than 10,000 a day. From 2014 to 2034, about 80 million seniors are expected to retire which will strain Social Security and Medicare systems with the potential to lead to increased reductions in benefits. Couple this increase in the retirement ranks [...]

By | 2017-10-23T02:38:25+00:00 April 1st, 2017|Annuities|

Is An Annuity An Annuity, Or Is An Annuity An Egg?

Often, we hear about annuities and how many fees are “hidden” within them. So why would anyone consider an annuity? Annuities come in 2different sizes, those sold by stock brokers (variable annuity) and those sold by insurance agents (fixed annuities). Annuities sold by stock brokers are security products, annuities sold by insurance agents are insurance [...]

By | 2017-10-23T02:42:25+00:00 March 20th, 2017|Annuities, home-mid|

The Almighty Income Check  

In our working years, we work for income and savings. It’s all about income and the security it brings—the almighty paycheck. In our retirement years, we want our savings to go to work for us and create the income to continue the security in retirement; that’s the almighty income check. It’s important to realize the [...]

By | 2017-10-23T02:55:46+00:00 March 18th, 2017|Annuities|

Ask Before You Leap When Considering An Annuity

According to a recent CBS news report, the sales of fixed index annuities reached a staggering $19.2 billion in the USA for the fourth quarter of 2016. There has been an evident rise in the interest of the public towards the fixed-index annuity, as the sales of this plan for the same quarter last year [...]

By | 2017-10-23T02:59:11+00:00 March 13th, 2017|Annuities|

Elder Abuse And Tax Scam Issues

Regardless of what happens with the DOL ruling and other regulatory issues, one thing will become more and more relevant in our business.  Congress, the individual states and local agencies will turn a hard focus on elder abuse.    Elder abuse is increasing, at least the reporting of it is.  In the California community, we live [...]

By | 2017-10-23T03:07:54+00:00 February 22nd, 2017|Annuities, Taxes|