Income Riders Are Great if You Understand Them and Their Purpose |
July 10, 2013 |
Income Riders, Index Annuities, Member Posts
Written By: Richard E. Navarra in Wexford, PA There is much excitement over income riders attached to fixed indexed annuities, and it is for good reason when understood and used for the proper situations. The problem is consumers of annuities are confusing the accumulation of the income rider with the actual accumulation value within the annuity. The accumulation value grows as a result of the annuity’s increase based on the increase of the indices the annuity is tied to after applying contractual caps, participation rates,...
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John CasaSanta |
July 9, 2013 |
Member Posts, Retirement Planning
Question: Why are investment reviews necessary? Answer: Investment reviews are very valuable for many reasons. Due to life events, people purchase investments at various times of their lives. It could be when you change jobs and need to roll over your 401K to a private plan, when an inheritance is received, or if you receive a bonus and want to invest for a rainy day or future event. Depending on how aggressive you would like to be and amount of time to reach your goal will...
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Rob Brinkman |
July 5, 2013 |
Annuity Videos, Index Annuities, Member Posts, Rob Brinkman
Do you know how an insurance company that issues annuities prices them? If not, don’t feel bad. Even some of the advisors who sell annuities don’t know exactly how the carriers make money. The biggest misconception is that many people believe that the insurance carrier invests the assets that they receive directly into the indexes that the Fixed Indexed Annuity (FIA) product offers, and then the carrier keeps the spread. In reality, the carrier usually never invests directly into the actual index. Instead, they are...
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Rob Brinkman |
July 3, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble in San Antonio, TX Much has been written about mutual funds over the years. On one end of the spectrum, mutual funds have been credited with the “democratization of investing” by making the stock market available to virtually everyone; on the other, they are demonized as if they were Wall Street ponzi schemes! Much of the negative press about mutual funds is due to their complex and sometimes hefty fee structures, and much of it has to do with the “all-in...
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Rob Brinkman |
June 28, 2013 |
Annuity Video Blogs, Annuity Videos, Index Annuities, Member Posts, Rob Brinkman
The S&P 500 is one of the most popular stock indexes in the world which combines the top 500 largest stocks by market capitalization. In this video, Rob Brinkman explains how certain indexed annuities give you the ability to participate in part of the upside of this incredibly popular index, the S&P 500, while limiting your downside to zero. Rob also discusses the different Index Strategies used within an Index Annuity. As more insurance carriers continue to come up with new innovations and ways to...
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Stan The Annuity Man |
June 27, 2013 |
Ask Stan The Annuity Man, Member Posts, Miscellaneous Annuity Info
Question: I am seriously considering adding an annuity to my portfolio, but after a few lackluster meetings with local agents, is there a way for me to purchase annuities direct from the annuity company? I would like to own an annuity, but not use an agent if possible. Dwayne from Richmond, Virginia. Answer: I am one of those “dreaded” annuity agents, but I fully understand your question and am getting versions of this request on a weekly basis. I think people like you are getting...
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Stan The Annuity Man |
June 25, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble | Secure Money Solutions Recently I met with a client for his bi-annual review to discuss his portfolio, more specifically his retirement income plan. He wants to retire in three years, and he asked me what “ROI” he needed in retirement to maintain his desired standard of living? As many of you may have done, he had done some research and come across the “4% Rule” which has been the bedrock of retirement income planning for most brokers and advisors for...
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Stan The Annuity Man |
June 20, 2013 |
Annuity Basics, Ask Stan The Annuity Man, Member Posts
Question: I am considering investing some of my portfolio in an annuity. What is the #1 question that I need to ask myself, and answer, before purchasing? Charles G. from New York Answer: Your question is the “holy grail” of how to solve the annuity puzzle. Too many times people will call me about annuities and start telling me about an annuity they have been pitched by an agent. The few bullet points from the sales process that they hang on to is comical and...
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Stan The Annuity Man |
June 19, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble | Secure Money Solutions When I talk with folks about their retirement, about their portfolios in retirement and about income in retirement, one word that often comes up is “stability”. People naturally want stability in retirement. They want stable portfolios that grow consistently and earn reasonable rates of return. They want stability of income, meaning that if they are taking income from their portfolios, that income is secure and sustainable. But there is so much uncertainty in the world today that...
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Stan The Annuity Man |
June 18, 2013 |
Member Posts, Retirement Planning
Written By: Doug Wright | The Wright Group According to a recent study conducted by Aviva USA, a leading life insurance company, in partnership with the Mayo Clinic, 9 out of 10 people who responded to the questionnaire said that about 20% of their retirement savings will go toward medical expenses (i.e. insurance payments, co-payments and treatment). The actual amount will obviously depend on your daily activity and health history but most retired people will spend about a third (33%) or more of their retirement...
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