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Annuity Basics

Why Fixed Index Annuities Are Gaining Popularity

Mike Riedmiller

“Stocks take the stairs up and the elevator down.”   The volatility and risks that the stock market can bring is no secret. A number of different things can trigger a rapidly declining stock market, from negative economic news and political turmoil to world events and misinformation. Market risk may not mean as much to someone younger and regularly contributing to their retirement account. A declining stock market can even be an opportunity to contribute more money at lower stock prices. However, as someone nears...

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Look Out For These 6 Annuity Myths

Mike Riedmiller

There is a lot of interest in annuities and how they can be part of a solid retirement plan, which shouldn’t be a surprise, given the volatility we can experience from the stock market at any given time. People are earning low interest rates from their savings and CDs, there are more questions than ever about the future of Social Security, and many employers no longer offer pensions. It’s no wonder annuities are a growing financial product for many. While annuities are a good choice...

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WARNING: Your Variable Annuity Might Not Be What You Thought

Mike Riedmiller

Annuities can offer a number of attractive features for people who are currently working, approaching retirement, or already retired. Each year, Americans purchase billions of dollars of new annuities; they can be a big part of a solid retirement plan. People choose to add an annuity to their investment portfolio for several reasons, including: 1. Potential upside growth of their money. 2. Lifetime income, either immediately or in the future. 3. Tax-deferred growth.   There are many additional benefits that annuities can offer when structured...

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It’s the Cash Flow, Folks!

Knowel McGraw

At Vivid Financial Group, we focus on the cash flow, because that’s what many retirees live on: monthly cash flow, not growth. Since 1990, I have worked with families to help them retire. The No. 1 question the retiree needs to be answered is how much income they can generate safely and reliably every month. Unfortunately, growth gets all the headlines, but unless that growth gets locked in, many folks will give it all back during a downturn and never get a chance to spend it. When you...

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What exactly is a Fixed Index Annuity?

Jeff Jones

I’m amazed at the number of people who understand so little about annuities. For 25 years, I have quizzed prospects and clients of their knowledge and perceptions of annuities. Some people claim, “Annuities are evil and should be banned,” while others have named their firstborn after these popular products. Life insurance is designed to protect a client’s financial dependents in the event of said client’s premature death, thus helping to protect loved ones from financial loss. Annuities are the upside-down version of life insurance and...

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How You Can “Lock In” All-Time Highs in the Stock Market With Fixed Index Annuities

Mike Riedmiller

The stock market achieved some all-time highs at thee end of 2017. This is very interesting since some people were calling for the stock market to crash this past year due to a number of factors. Of course, this crash did not happen. This has left many retirees and people approaching retirement with some important questions: 1. Is now the time to take some of my money out of the stock market? 2. Should I invest (risk) more money? 3. Should I adjust any of...

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Four Reasons to Own an Annuity

John Conley

Now that the Powerball winner has come forward to claim her prize of $758 million (before taxes), you can’t turn on the television or radio without hearing the word “annuity.” The winner of the lottery had a very important choice to make: to take an after-tax lump sum or pay the taxes and receive income for life. This got me thinking about the number of people who don’t understand exactly what an annuity is and how it can be beneficial when used in the following...

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Discover why people love safer growth of their money and the option for lifetime income

Mike Riedmiller

There is a lot of talk and debate about the pros and cons of annuities and whether they are good to have in your retirement plan. All investments have their strengths and weaknesses.  This, unfortunately, is something you don’t always hear about from people in the financial services industry or the so-called gurus you see in the media. First, let’s look at the three main types of annuities: Variable Annuities – Variable annuities usually have higher fees (2% – 4%). Your money is still “at...

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How the War Over Your Money Can Hurt You

Matt Jackson

There is a war going on for your money, and you probably don’t even know it. Licensed stockbrokers, Wall Street, and big banks offering risky securities are fighting against insurance companies and banks offering principal-guaranteed products. These groups are as opposed to each other as Coke and Pepsi. So, why the fighting? Why don’t stockbrokers tell you about the advantages of some of these principal-guaranteed products, like fixed indexed annuities (FIAs)? I believe it’s because of the reoccurring fees generated by the amount of money...

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Safety and Guarantees of Variable Annuities vs. Fixed Indexed Annuities

Nick Guida

Ever wonder why so many people include annuities in their financial plans? It’s because they’re looking for safety and guarantees. The most popular annuities today are Variable Annuities and Fixed Indexed Annuities. One of them offers safety from market loss and guarantees on your real money; the other does not. Variable Annuities do not offer any downside protection from market loss to the investments within the annuity. If you have a Variable Annuity, this may come as a shock to you, so please read on....

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