Annuities

Understanding Income Riders

By Robert P Kelly 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. Generally, these problems arise because Read more >>

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 Read more >>

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 Read more >>

Lessons From Eddy

A few years ago, we acquired Eddy. Eddy is a miniature donkey who was essentially homeless. He is just a little guy who was passed around from one house (broker dealer) to another. No one really cared a whole lot about him as he was just a little guy, not enough assets to interest most Read more >>

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 Read more >>

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 Read more >>

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 Read more >>

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 Read more >>

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 Read more >>

Get The Facts, Ask Joe Friday

By Rick Dennis Do you remember the TV show “Dragnet” from the 1960s?  The star of the show was Sergeant Joe Friday, played by Jack Webb.  It seemed like at least once on each show Sgt. Friday would tell someone that “we just want the facts, that’s all we want – nothing but the facts.” Read more >>

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