Annuity123 is dedicated to providing Americans with unbiased information about retirement, answering the tough questions you want to know.

With hundreds of articles on every retirement planning topic you can think of, peace of mind is just a click away.

Income For Life

Use Your Assets to Boost Your Cash Flow

Jon Sanchez

Most of us have assets that are of some value. It may be something as large as your home or as small as the tools in your garage. If you took an inventory of your assets and created a plan so each asset produced a steady flow of cash, you could have more income than you know what to do with! There are several tremendous ways to turn your existing assets into a cash flow machine. However, get ready to put in the hard work...

View Article

How do I protect my retirement?

Granger Hughes

Many people today are faced with the harsh reality that they may wake up one day and their 401(k), or other retirement plan, may be cut in half. We put our lifetime and hard-earned savings onto the proverbial blackjack table. In reality, many people who play blackjack wouldn’t dare take their entire stack of chips and bet it on one hand; however, we do it every day with our retirement. Is this because we don’t know better, or have we been hardwired to think this...

View Article

Why Some People Like Annuities

Nick Davis

Annuities are considered an enormous and confusing topic. If you’ve searched “annuities” on the internet, you know that everyone has something to say about the topic. With the wild stock market swings in recent years, most people are looking for alternatives. As of right now, annuities are the best answer for a lot of people. At the same time, annuities are widely misused, which results in heated conversations about the product. It doesn’t matter who you are or where you live, everyone wants to grow...

View Article

4 Essentials Every Retirement Plan Should Consider

John Gill

A mere six years after one of the most devastating recessions (2008) in U.S. history, which destroyed many Americans’ retirement plans, I frequently saw new clients who had forgotten about the losses their portfolios took during the early 2000s. I believe it’s important not to forget what a 20, 30, or 40 percent loss feels like in your portfolio. Why? Because another market loss can easily occur during your retirement years. When you enter retirement and begin withdrawing income to live on and not simply...

View Article

The 4% Income Rule – It’s Time for a Change

Steve Feeken

The common rule of thumb many advisors use, for determining the adequate amount of income to withdraw from your retirement savings, is known as the 4% rule. It simply states that if you withdraw 4% income per year from a diversified portfolio and adjust periodically for inflation, you should have enough income to last your lifetime. This theory claims that market growth should outpace the income withdrawn and also offset periods of market decline to sustain your portfolio. Becoming popular in the early 1990s as...

View Article

Don’t Run Out of Money in Retirement

Dolph Janis

Have you ever awoken at night and started worrying about running out of money when you’re in or entering retirement? Does the fear of losing what you have saved for retirement due to changing markets concern you? If so, you’re not alone.  A large number of baby boomers have this feeling on a daily basis. I have been working with clients for over 11 years, and these concerns are brought up in just about every meeting or conversation I have with clients. When looking at...

View Article

The Importance of a Solid Plan for Income During Retirement

Brian Jones

For most of us, it’s very important to have an income or some type of cash flow during retirement, especially if you want to enjoy your retirement years. But how do you plan for this income and where does it come from? For most of us, Social Security is the first source that comes to mind. Yes, I do believe Social Security will be around in some form or fashion for most of us as one of our retirement income sources. If you are one...

View Article

Using Annuities to Combat Social Security Loss

Gary Mattson

If you have planned for retirement, then hopefully, you’ll be ready to enjoy a lifestyle with steady income that gives you enough every month to pay for your recurring bills, along with having the funds to enjoy travel, assist grandkids with education, delve into a hobby or start a new one, or anything else on your “bucket list”. As you’re enjoying the prospects of helping grandchildren and family members learn from your financial success, tragedy happens. A loved one passes, leaving you alone and worried,...

View Article

How to Get the Most Income Out of an Annuity

Tim Fitzwilliams

As a consumer planning for the future, it’s important to understand what an annuity is, how it works, and how much income you’ll receive for the rest of your life. An annuity is a vehicle that is designed to provide income for the rest of your life. The three most common types of annuities used when planning an income include: fixed, variable and indexed. To keep things very simple: Fixed = A set interest rate. Variable = Based on the stock market and has market...

View Article

A Look Inside Wall Street

Erick Jon Arnett

So consider this source: I am an independent advisor, and I have been in the industry for 15 years. I have worked for big banks, small banks, a retail brokerage, fledgling hedge fund managers, registered investment advisory firms, and now I am completely independent and objective. I have seen it all and have had exposure to almost every tool or investment product that exists out there. I don’t say this to brag by any means. There are probably far smarter and better experts (as they...

View Article