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Author Archives for alexhouse

Evolution of the American Retirement and Family

May 29, 2013 2:25 pm Published by Leave your thoughts

 As we all know, retirement planning has gone through several big shifts during the past ~50 years.  One of the more significant changes has been from companies shifting away from pension plans (defined benefit plans) to 401ks (defined contribution plans).  This change is essentially a shift in company’s responsibility of ensuring adequate lifetime income for its employees onto the shoulders of the employees themselves… many of which have no clue how to properly plan for a retirement that could last over 30 years.  This shift...

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Peter DeRosa/DeRosa & Associates Inc. Joins the Annuity123 Network of Retirement Income Advisors

May 28, 2013 5:59 pm Published by Leave your thoughts

Annuity123 is excited and honored to report that Peter DeRosa has joined its network of retirement income advisors for the benefit of consumers in Crystal River, Ocala, Spring Hill, Gainesville, and all other areas of west central Florida who are in need of obtaining personalized retirement income guidance. Please see below for an overview of Peter DeRosa’s practice. Company Name: DeRosa & Associates Inc. Brief Business Description: DeRosa & Associates has 30 years of combined experience in the insurance field specializing in Wealth Management and...

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401(k) Secrets Revealed

May 28, 2013 2:13 pm Published by Leave your thoughts

Annuity Think Tank recently launched a free educational report called the “Top 10 401k Secrets that your Employer does NOT Want You to Know About” which highlights the most common misconceptions about 401(k)s that cost many Americans thousands of dollars each year by not understanding. It is incredibly important to educate yourself on both the pros and cons of your 401(k), how much you are paying in fees each year, and knowing exactly how long your 401(k) will last you in retirement after you factor in...

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Jennifer Calandra Joins the Annuity123 Network of Retirement Income Advisors

May 28, 2013 10:16 am Published by Leave your thoughts

Annuity123 is excited and honored to report that Jennifer Calandra has joined its network of retirement income advisors for the benefit of consumers in and around Atlanta, GA who are in need of obtaining personalized retirement income guidance. Please see below for an overview of Jennifer’s practice. Company Name: Calandra Financial Group, LLC Personal/Business Overview: Jennifer is one of the co-founders and lead financial planners at Calandra Financial Group, LLC.  She is a Registered Financial Consultant (RFC) and is the President of Women of Wealth...

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Raj Shah of Secure Capital Management USA LLC Joins the Annuity123 Network of Retirement Income Advisors

May 24, 2013 4:50 pm Published by Leave your thoughts

Annuity123 is excited and honored to report that Raj Shah has joined its network of retirement income advisors for the benefit of consumers in Schaumburg, IL and Oakbrook, IL who are in need of obtaining personalized retirement income guidance.  Please see below for an overview of Raj Shah’s financial planning practice. Company Name: Secure Capital Management USA LLC Brief Business Description: In today’s ever changing economy, even the most capable individuals are struggling to create, implement, and maintain a well-structured sound financial plan. At Secure...

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Allen Trimble Joins the Annuity123 Network of Retirement Income Advisors

May 24, 2013 3:12 pm Published by Leave your thoughts

Annuity123 is excited and honored to report that Allen Trimble has joined its network of retirement income advisors for the benefit of consumers in San Antonio and the Texas Hill Country who are in need of obtaining personalized retirement income guidance. Continue reading below for an overview of Allen’s practice. Company Name: Secure Money Solutions Brief Business Description: Secure Money Solutions’ mission is to honor God and serve people. We serve retirees and soon-to-be-retirees by helping them to create mathematically correct retirement income solutions. Rather...

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Why Is There So Much Annuity “Bait And Switch” Marketing Going On?

May 23, 2013 2:55 pm Published by 6 Comments

Question: I’ve been shopping for annuities online, and it seems that most sites are using worn out “bait and switch” type sales tactics.  It’s very frustrating, and I’m wondering why is this allowed by the regulators?  Tim from Colorado. Answer: Tim, I’m as frustrated as you with these sites and ads.  These types of marketing and sales practices continue to feed into the negative stigma that the annuity industry has unfortunately earned.  I’m sure from the public’s view it looks like a free for all...

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Advanced Annuity Education Website

May 21, 2013 9:31 pm Published by Leave your thoughts

Those looking for an independent, unbiased, and reliable place on the web for advanced annuity information, annuity education, annuity quotes, and annuity rates, then you need to look no further.  Annuity Think Tank has more free annuity information than anywhere else on the web.  This website has been designed to help financial professionals and consumers perform their due diligence in gathering detailed information about specific products and topics relating to annuities and retirement income. With over 100 free annuity and retirement white papers and reports,...

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Dan Glazier of Asset Protectors Joins the Annuity123 Network of Retirement Income Advisors

May 17, 2013 1:25 pm Published by 1 Comment

Annuity123 is excited and honored to report that Dan Glazier has joined its network of retirement income advisors for the benefit of consumers in North and South Carolina who are in need of obtaining personalized retirement income guidance.  Please see below for an overview of Dan Glazier’s practice. Company Name: Asset Protectors Brief Business Description: Asset Protectors has only one goal in mind for our clients.  That is to provide a TAX FREE and WORRY FREE retirement income plan for you and your family.  WE...

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Stan the Annuity Man

How Do Annuity Commissions Get Paid To The Agent?

May 16, 2013 4:02 pm Published by 26 Comments

The “Ask Stan The Annuity Man” educational series is provided by a nationally recognized annuity critic and annuity consumer advocate.  Stan The Annuity Man has over 25 years of experience in the financial services industry, and is the author of the highly acclaimed book, The Annuity Stanifesto. Question: I’m talking to a lot of annuity agents, and can’t get a consistent answer on how they get paid.  I know that they do, so how do annuity commissions work?  Joe from Texas Answer: Good job for...

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