Bill Broich

About Bill Broich

Bill Broich is a well-known annuity expert with over 30 years of experience. He has written hundreds of articles on annuities and other financial topics, and has been a featured commentator on TV, Radio and the Internet. To follow Bill's profile, click here.
Toll-Free: 888.390.4211 | GVA,

What Interest Rate Do Bonds Pay?

If an investor is thinking of investing in bonds, the first rule to learn is: a bond is nothing more than a debt instrument, a loan. Think of buying a bond like making a loan to a corporation, government, federal agency or other organization. Bond issuers understand that investors are not going to invest without [...]

By | 2018-01-12T03:51:35+00:00 January 10th, 2018|Bonds|

Are Municipal Bonds Really Tax Free?

Municipal securities, also known as "munis," are bonds issued by governmental entities such as states, cities, counties, and other organizations. The bonds are sold to raise money for public interest projects such as schools, bridges, roads and other municipal construction needs to benefit the public. Like all bonds, munis pay a specified amount of interest [...]

By | 2018-01-12T04:04:58+00:00 January 3rd, 2018|Bonds|

If You Don’t Get What You Want: Sue Them

Kentucky state employees recently filed suit against several private equity firms and their failure to provide rates of returns as expected. According to the lawsuit, Kentucky Retirement Systems, invested between $1.2 billion and $1.5 billion, with: • Blackstone Group • KKR • Capital Partners and • Pacific Alternative in August 2011. Based on the sales [...]

By | 2018-01-12T04:10:26+00:00 December 30th, 2017|Retirement Planning|

Promises And Guarantees Are Not The Same Thing

In the old movie, The Road to Morocco, Bing Crosby and Bob Hope show their pure comedic brilliance.  One of the best parts of the movie is when they become lost in a Moroccan desert and see a mirage, the outcome is hilarious.  Of course, the illusion is not real, and they end up quite [...]

By | 2018-01-12T04:12:57+00:00 December 6th, 2017|Investing|

The Biggest Problem Facing Retirees Is Medicare Reimbursements

We watch TV, read the news, use social media to keep informed, but doesn’t it always seem like the terrible things are happening elsewhere? Three things happened to me recently over the Thanksgiving break, things that you should make you pay attention. Please pay attention: The most significant problem facing retirees is not the cost of [...]

By | 2018-01-12T04:21:41+00:00 November 29th, 2017|Retirement Planning|

Inflation And A Retirement Income Concept

President Ronald Reagan famously said about inflation: “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man.” Inflation is not all bad, because of inflation, we have less exposure to a depression or so said John Maynard Keyes.  Many agree with his thoughts, but many [...]

By | 2017-11-08T19:19:21+00:00 October 31st, 2017|Retirement Planning|

The Great American Rip-Off

The idea of a 401(k) created by Congress was and is a beautiful idea.  What is not attractive about them is the method in which they are managed.  Managed by Wall Street.  In congress’s favor, the idea was brilliant; they merely forgot one small detail.  Where there are over a trillion dollars, there will be [...]

By | 2017-11-08T19:18:19+00:00 October 27th, 2017|401(k) Rollovers, Retirement Planning|

ROBO-Advisors Invade Retirement Planning: Hurray!

Robots have become a certainty for our future, they lower the cost of almost every sector of American Industry.  The chart below shows us how the cost of robots has dropped as the cost of human workers have increased. One sector gaining an enormous foothold for robots is the financial guidance industry:  ROBO-Advisors. Have you [...]

By | 2017-11-08T22:44:31+00:00 October 16th, 2017|Annuities|

Assumptions: Would You Bet Your Retirement On It?

The story goes like this: An economist and his friend are on a hike; dark clouds appear, and rain is certain. The friend says to the economist, “it looks like rain.” The economist looks at the dark sky and says, “well then, let’s assume we have an umbrella.” When you examine the economist’s remarks, it [...]

By | 2017-10-22T23:33:13+00:00 October 8th, 2017|Annuities|

Beware Of The Future Cost Of Medical Care

Two things have happened that cause great concern for our future medical care.  Both costs and health care itself are in peril. With the advent of the Affordable Care Act (ACA), the amount of medical cost reimbursements paid to providers by Medicare has been reduced.  In other words, less from Medicare, more out of pocket [...]

By | 2017-10-22T23:36:23+00:00 October 2nd, 2017|The Affordable Care Act--Obamacare, Uncategorized|