![Carl Ostenson]()
Carl Ostenson |
February 25, 2014 |
Carl Ostenson, Income Riders, Index Annuities
Do you want to put aside a portion of your retirement savings so it will guarantee you income when you retire? Here’s my Top 5 reasons why using an indexed annuity with an income rider could be a good solution: 1) LOCK IN THE LAST 5 YEARS OF GAINS: Since the market bottom in March of 2009 the SP 500 Index is up 165% without any real major correction. (As of 2/24/14) You are also 5 years older now and have less time to recover...
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![Carl Ostenson]()
Carl Ostenson |
February 7, 2014 |
Annuity Beneficiaries, Carl Ostenson
Do you have children or grandchildren that aren’t really good with money? You know the type, the ones who as kids, had their allowance spent before it was even in their pocket and now they have $20,000 in credit card debt and spend money even faster than a drunken sailor. Or maybe you have a child or grandchild who is struggling with drugs or gambling and a big lump sum of money would only make things worse. Or maybe you don’t really like your daughter’s...
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![Stan The Annuity Man]()
Stan The Annuity Man |
February 6, 2014 |
Ask Stan The Annuity Man
Question: Every time I try to do some internet research on annuities, I am inundated by a ton of annuity pop up ads. Are these good resources? What’s the catch? Some of the returns and video claims seem too good to be true. from Kevin in Alva, Oklahoma Answer: This is a great question, and what you have discovered is that there is absolutely no oversight or enforcement on what is said, advertised, or promised concerning annuities. It’s the wild wild-west out there. This is...
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![Todd D. Heckman]()
Todd D. Heckman |
January 29, 2014 |
Member Posts, Retirement Planning, Todd Heckman
I just returned from a holiday trip ‘up north’ to visit my parents and mother-in-law….. Stop me if you have heard this story before…there are two sets of parents, my parents and my in-laws. My parents, both in their 80s, are cared for in a well-run retirement community and lead a very active lifestyle. This is despite the fact that my father continues to fight a two and a half decade old battle with a dread disease (leukemia). They travel together, volunteer and participate in...
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![Carl Ostenson]()
Carl Ostenson |
January 24, 2014 |
Annuity Basics, Carl Ostenson, Member Posts
That’s a great question people ask themselves all the time. What I’d like to do it re-phrase it into a question that I think gets to the core of the matter with a little more clarity. “Will your Social Security and/or Pension be enough retirement income to pay your bills and have a little fun… OR… will you need more income than that? Because, if Social Security and/or your pension is enough income, then you don’t really have to worry about how much money you...
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![Stan The Annuity Man]()
Stan The Annuity Man |
January 23, 2014 |
Annuity Basics, Ask Stan The Annuity Man, Deferred Annuities, Fixed Annuities, Immediate Annuities, Index Annuities, Longevity Annuities
Question: I’m looking to set up a guaranteed lifetime income stream to start sometime in the future. Which is better, longevity annuities or income riders? from Tom in Portland, Oregon Answer: Excellent “head scratcher” Tom, and this is one of the most important questions currently in the world of annuities. What you are talking about is target date or income later planning. You want to plan a lifetime income stream to turn on in the future, and would like to be able to know to...
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![Rob Brinkman]()
Rob Brinkman |
January 17, 2014 |
Annuity Video Blogs, Member Posts, Rob Brinkman
You have heard the old saying “Don’t put all of your eggs into one basket” before right? Well the saying holds very true for annuities as well. No matter how safe an annuity is perceived to be, and no matter how much contractually guaranteed income that the annuity can spin off for you, there is no reason that anyone should put all (or even almost all) of their money into annuities. This video goes over the history of annuity suitability and also discusses who can...
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![Anton Hendler]()
Anton Hendler |
January 16, 2014 |
Annuity Basics, Annuity123, Fixed Annuities, Index Annuities, Member Posts
As with any investment, one makes a call based on risk and reward. Fixed Index Annuities continue to offer one of the best trade-offs in the market. However, it is still important that one stays abreast of what is happening in the market and what products are being offered as these change on an ongoing basis in response to the market and what demand is driving the insurance companies to offer. For instance, as interest rates remain low, but the markets showed increases over the...
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![John P. Grimes]()
John P. Grimes |
January 15, 2014 |
Annuity Basics, Annuity123, Income Riders, Index Annuities, John Grimes, Member Posts
We’ve all heard the expression ‘have your cake and eat it too’. It’s a pretty simple dilemma; if you have your cake and eat it… then it’s gone. If you don’t eat the cake, you still have it but don’t get to enjoy it. Wouldn’t it be nice to have it both ways? It’s like being rewarded without taking any risk or getting something nice without having to pay for it. So you’ve done some research about fixed indexed annuities and you find there are...
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![Jerry Rogers]()
Jerry Rogers |
January 14, 2014 |
Annuity Beneficiaries, Annuity123, Jerry Rogers, Member Posts
One great advantage of owning an annuity is the ability to, upon your death, have your money flow to your beneficiaries without having to go through probate. Beneficiary designations take precedent over wills. If you do not name a beneficiary your money flows to your estate. This may tie it up for an extended period of time and will subject it to court fees. On the other hand, an insurance company will distribute the balance of an annuity within a matter of a few weeks...
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