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# Annuity 123: America’s Resource For Making SMART Annuity Decisions

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## Posts
- [A Roadmap for Creating Tax-Favored Income in Retirement](https://blog.annuity123.com/is-the-3-legged-retirement-stool-broken/): When it comes to taking income from the portfolio, one strategy to consider is taking income from the equity accounts when markets are up, effectively “selling high.” When the markets are down, consider taking income from a fixed index annuity account to avoid locking in losses when the market is down. This can be one way to leverage personal savings to help provide income as a firm foundation to stabilize a shaky three-legged retirement stool.
- [Why Roth IRAs Can Be the Best Tool in Your Retirement Toolbox](https://blog.annuity123.com/why-roth-iras-can-be-the-best-tool-in-your-retirement-toolbox/): When you open your toolbox, you will see several tools you can choose from to help you get the job done. In retirement, it’s just as necessary to choose your tools wisely to help you achieve your goals. Regardless of age, a Roth 401(k) or Roth IRA, also known as a Roth Individual Retirement Account (IRA), are great tools to have in a personal investment portfolio.
- [Is Investing as Difficult as Wall Street Makes It Seem?](https://blog.annuity123.com/is-investing-as-difficult-as-wall-street-makes-it-seem/): If you have met with a financial advisor from one of the big Wall Street firms in the last few years, you might have walked away with a binder full of charts, hypotheses, forecasts, back-testing, and God only knows what else.
- [3 Reasons Why Annuity Purchases Are Increasing](https://blog.annuity123.com/3-reasons-why-annuity-purchases-are-increasing/): Fixed rate annuity purchases (which includes fixed indexed annuities) could potentially increase by as much as 35% over the next five years, and variable annuity purchases by 15%, according to the LIMRA Secure Retirement Institute (LIMRA SRI).
- [Why Fixed Index Annuities Are Gaining Popularity](https://blog.annuity123.com/why-fixed-index-annuities-are-gaining-popularity/): “Stocks take the stairs up and the elevator down.”
- [Look Out For These 6 Annuity Myths](https://blog.annuity123.com/6-annuity-myths/): 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. Many 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.
- [WARNING: Your Variable Annuity Might Not Be What You Thought](https://blog.annuity123.com/know-your-annuity/): 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.
- [It’s the Cash Flow, Folks!](https://blog.annuity123.com/cash-flow-folks/): At Vivid Financial Group, we focus on the cash flow, because that's what many retirees live on: monthly cash flow, not growth.
- [What exactly is a Fixed Index Annuity?](https://blog.annuity123.com/what-is-a-fixed-index-annuity/): Annuities can be used to assist with funding education, retirement, income, death, etc. Their primary design is to protect the annuitant against the risk of living too long and possibly outliving their financial resources during retirement. Some of the more popular annuity types are variable, fixed, and fixed indexed annuities. My experience has always geared me toward safety for my clients. When it comes to safety, the fixed index annuity stands out. What exactly is a fixed index annuity?
- [How You Can “Lock In” All-Time Highs in the Stock Market With Fixed Index Annuities](https://blog.annuity123.com/can-lock-time-highs-stock-market-fixed-indexed-annuities/): There are a variety of annuities from different companies, but the key to success can be working with an independent financial professional with access to that information. Extensive research is done to show your options so you can make an informed decision that is best for you, something your Wall Street broker may or may not offer. Many Americans have been locking in their gains with fixed index annuities (FIAs).
- [Four Reasons to Own an Annuity](https://blog.annuity123.com/four-reasons-annuity/): 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 situations:
- [Discover why people love safer growth of their money and the option for lifetime income](https://blog.annuity123.com/discover-people-love-safer-growth-money-option-lifetime-income/): 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.
- [Why having a plan could change the outcome of your retirement](https://blog.annuity123.com/plan-change-outcome-retirement/): Do you currently own or are you considering purchasing a financial solution? Do you know if that solution will accomplish what your true purpose is for that money? Before you can determine what type of solution you should put in place, you need to start with a plan. With a plan you’ll have a better understanding of your household’s needs, including how much income you need every month and how much you need in retirement. Once you’ve figured this out, you’re ready for the next step.
- [The Extinction of the Middle Class](https://blog.annuity123.com/extinction-middle-class/): Since the ‘70s, we have heard about the shrinking of the middle class, but is it true? There are some statistics that prove the middle class is shrinking but much slower than most people realize. Before we can figure it out, we need to know who exactly makes up the middle class, and that’s not as simple as you may think. Most people would say someone making $50,000 to $100,000 would be middle class, but if you lived in New York City or San Diego, $50,000 would be below the poverty line. According to the 2013 Pew Charitable Trusts’ survey of the median household income in the United States, the middle-class income fell between $25,309–$144,966. I’m sure you’re thinking that’s a pretty big range, and it is! So the real question is, “Why do so many Americans in the middle class feel like it’s shrinking?”
- [How the War Over Your Money Can Hurt You](https://blog.annuity123.com/war-money-can-hurt/): 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.
- [Safety and Guarantees of Variable Annuities vs. Fixed Indexed Annuities](https://blog.annuity123.com/safety-guarantees-variable-annuities-vs-fixed-indexed-annuities/): 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.
- [Do you have the 21st century super retirement plan?](https://blog.annuity123.com/21st-century-super-retirement-plan/): For years, Americans have been told that the best way to save for retirement is by contributing to accounts like 401(k)s, IRAs, SEPs, and Tax-Sheltered Annuities (TSAs). These have two things in common: You receive a tax deduction based on your tax rate, and you must pay a tax when you withdraw the money.
- [The concept of the family office](https://blog.annuity123.com/concept-family-office/): Insurance products offered through Licensed Insurance Professional Matt Redding Sr.  License #1434801.
- [Use Your Assets to Boost Your Cash Flow](https://blog.annuity123.com/use-assets-boost-cash-flow/): 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!
- [How do I protect my retirement?](https://blog.annuity123.com/how-do-i-protect-my-retirement/): 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.
- [Who Does Your Financial Advisor Work For?](https://blog.annuity123.com/financial-advisor-work/): Have you ever asked your financial advisor who they work for? Do they truly represent your best interests or those of the firm they work for? Are they acting on your behalf? Is their advice based on a fiduciary standard or a suitability standard? Do you know the difference?
- [Why Some People Like Annuities](https://blog.annuity123.com/people-like-annuities/): 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.
- [Is a Split Annuity Right for You?](https://blog.annuity123.com/split-annuity/): Many people look for ways to not only create the retirement income they need but also to preserve their principal. Relying on bank savings often falls short, and having your retirement savings exposed to the ups and downs of the market can be nerve-racking. Fortunately, there is a solution that does provide guaranteed tax-advantaged income, tax-deferral, and principal preservation. If you are currently living off of interest from your brokerage account or other investments, then a split annuity could be a strategy for you to consider.
- [High Income Tax Strategies with Low-Cost Variable Annuities](https://blog.annuity123.com/high-income-tax-strategies-low-cost-variable-annuities/): In the technologically advanced age that we live in, why does every major insurance company have their advisor base-peddling their costly products? There are other options that cost significantly less, have better investment options, more investment options, no surrender penalties, and no trade costs. Then why is it almost never brought up in conversation by financial advisors? These large insurance companies don’t want the consumer to know the direction our industry is heading — fee-based.
- [The Role of Index Annuities in Financial Planning](https://blog.annuity123.com/role-index-annuities-financial-planning/): What role do index annuities play in financial planning? Can they provide growth or just income?
- [Finding an answer to the CD interest crisis fixed annuity vs. CD’s](https://blog.annuity123.com/finding-answer-cd-interest-crisis-fixed-annuity-vs-cds/): A co-worker once told me the CD didn’t stand for certificate of deposit anymore, it stood for certificate of disappointment. For the past 7 years, the United States has been in a historically low interest rate environment. For many retirees, who are accustomed to supplementing their income with their certificate of deposit interest, the lower interest rates made it necessary to look elsewhere for safe income while protecting principal.
- [4 Essentials Every Retirement Plan Should Consider](https://blog.annuity123.com/4-essentials-every-retirement-plan-consider/): 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 the Social Security Administration Can’t Help You With Your Benefits](https://blog.annuity123.com/social-security-administration-cant-help-benefits/): The Social Security Administration (SSA) can’t help you with your Social Security benefits. That sounds funny, I know, but they can’t.
- [RMDs — Required Maximum Destruction!](https://blog.annuity123.com/rmds-required-maximum-destruction/): I know — RMDs don’t actually stand for that. They stand for Required Minimum Distributions. Many over age 70 ½ know what they are — it’s when the IRS requires you to take a withdrawal from your IRA accounts then are taxed on it.
- [The Danger of Averages](https://blog.annuity123.com/the-danger-of-averages/): Math is a funny thing, especially when it comes to averages. Let me show you what I mean. Let’s assume you have $100,000. The first year it gains 10% and the second year it loses 10%. Your average return is 0%, right? We add 10, then subtract 10, then divide by 2 years. That’s an average of 0%.
- [Annuities vs. Bonds: which would be better?](https://blog.annuity123.com/annuities-vs-bonds-better/): Senator Rob Portman recently revealed that about 10,000 baby boomers hit retirement each day. The typical retirement age is 65. This is the time when most retirees experience confusion. The employment that was a haven for income flow ceases. As such, investment advisors and consultants have recently found themselves answering questions regarding the best financial instruments and schemes to adopt for investment.
- [Second Opinions: Are you Confident in Your Financial Plan?](https://blog.annuity123.com/second-opinions-confident-financial-plan/): When my son was 10 years old, he needed heart surgery. We understood the risks to his health and the dangers associated with the procedure. So, we decided to look for a second opinion. Luckily, our doctor was very helpful and referred us to a doctor well versed in these types of surgeries.
- [The 4% Income Rule – It’s Time for a Change](https://blog.annuity123.com/4-income-rule-time-change/): 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 a retirement income planning tool, it is still widely used today. This theory, however, could be potentially dangerous for people planning for retirement today.
- [Don’t Run Out of Money in Retirement](https://blog.annuity123.com/dont-run-money-retirement/): 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.
- [The Importance of a Solid Plan for Income During Retirement](https://blog.annuity123.com/the-importance-of-a-solid-plan-for-income-during-retirement/): 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 of the lucky ones, you may work or have worked for a company that offers a defined benefit plan or pension. This is a second source of income that can help you with retirement income needs. The third source of income, which is becoming more and more important because of the increased social pressures on the first two, comes from personal savings and investments.
- [AXA Equitable’s Accumulator “Buyout Offer,” Should You Accept or Not?](https://blog.annuity123.com/axa-equitables-accumulator-buyout-offer-should-you-accept-or-not/): AXA Equitable was one of the pioneers of the Guaranteed Minimum Benefits (death or income) or Earning Enhancement benefits. During their heyday, the “Accumulator” was one of the top products available to consumers. Similar products were offered through; Hartford, Transamerica, American Scandia, Prudential, Jackson National, John Hancock, and MetLife to name a few. Of the companies listed, all have changed their current offerings for a wide variety of reasons.
- [6 Things to Consider When Buying an Annuity](https://blog.annuity123.com/6-things-to-consider-when-buying-an-annuity/): So, you are considering purchasing an annuity to help protect your retirement savings or to solve a concern that may not be easily addressed with other investment vehicles. Here are a few things to consider when making a decision about buying an annuity.
- [Fixed Indexed Annuities: The Next Generation](https://blog.annuity123.com/fixed-indexed-annuities-the-next-generation/): If you are 55 years of age or older, chances are you regularly receive invitations to seminars and lectures on such topics as “How to Secure Your Finances in Retirement”, “How to Maximize Your Social Security Benefits”, “How to Create a Guaranteed Income for Life”, “How to Enjoy Stock Market Returns with No Downside Market Risks”, and more.
- [Using Annuities to Combat Social Security Loss](https://blog.annuity123.com/using-annuities-to-combat-social-security-loss/): 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”.
- [How to Get the Most Income Out of an Annuity](https://blog.annuity123.com/how-to-get-the-most-income-out-of-an-annuity/): 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.
- [What Annuity Is Right For The Client?](https://blog.annuity123.com/what-annuity-is-right/): During the last two decades, seniors have experienced a roller coaster financial market. Products are constantly changing, and I am always informing clients about some policy variation. Volatility seems to be the wave of the future.
- [Why Long-Term Care Insurance?](https://blog.annuity123.com/why-long-term-care-insurance/): Eldercare has replaced childcare as the number one work place concern. Long-term care planning is an extremely important part of financial planning as it applies to retirement planning as well as estate preservation planning. Many individuals specialize in long-term care insurance, and stress the importance long-term care insurance. These “specialists” usually work for two to six insurance companies that sell long-term care policies.
- [The Truth About Annuities](https://blog.annuity123.com/the-truth-about-annuities/): The truth about annuities is that there is not so much a good or bad annuity as much as a good or bad fit for your personal situation. There are many different types of annuities and dozens of insurance companies offering them. There are literally hundreds of different annuity product options. It can be very challenging to understand and compare products.
- [You Have Been Going About Annuities All Wrong](https://blog.annuity123.com/about-annuities-all-wrong/): How many times have your clients or prospects told you that they had “researched” indexed annuities? Only later you discover that “research” consisted of typing “indexed annuity” into Google and reading the first couple sentences. As a financial professional who offers indexed annuities in your array of products, you ought to familiarize yourself with Google search engine results related to the product. It doesn’t take long to recognize the negative results.
- [Annuities as Bond Alternatives](https://blog.annuity123.com/annuities-as-bond-alternatives/): For decades, a commonly cited rule of thumb for retirement portfolios has been the “rule of 100.”  It states that individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities and 60% of the portfolio should be held in conservative or otherwise fixed-rate investments; bonds, treasuries, CDs, etc. However, with the large majority of these safe investments pay out roughly 2%-4%, many investors are keeping their exposure to equities disproportionately high for their age, or they are seeking alternative sources of fixed-income with more market-like returns.
- [Why Is An Index Reset Critical To Retirement?](https://blog.annuity123.com/why-is-an-index-reset-critical-to-retirement/): People purchase annuities for a number of different reasons. Certainly, ensuring a lifetime stream of retirement income is one of the primary factors for purchasing this type of financial vehicle. But while the annuity is still in its funding—or accumulation—phase, it is also important to make sure that you are able to grow and protect the funds that are inside of the account.
- [Changing the Perception of Fixed Annuities](https://blog.annuity123.com/changing-the-perception-of-fixed-annuities/): Why do annuities that can have twice the rate of return or a bank CD or money market receive such negative press? Sadly, there are multiple reasons for this ridiculous reality.
- [The Power of Locking in Your Gains](https://blog.annuity123.com/power-of-locking-in-gains/): When obtaining any type of financial vehicle, there is typically some type of risk-return tradeoff. For instance, in today's low interest rate environment, it's tough to obtain the growth that you need, yet it's important to also play it safe in order to protect your principal.
- [Longevity and Your Money](https://blog.annuity123.com/longevity-and-your-money/): Looking back at my father, I see someone who was entitled to two pensions and Social Security. As he put it, he “just got money in the mail.” Fast forwarding to present day, I work with folks who are or will be solely dependent on the money they have saved and their Social Security to drive their retirement income. So the question is, “How do you not outlive your money?”
- [Should You Hate Annuities?](https://blog.annuity123.com/should-you-hate-annuities/): So, if the best and brightest minds in the financial services industry are using annuities with their clients, then why do so many people hate annuities? Why are there so many websites, radio and TV personalities that seem to, on a regular basis, warn against annuities? The old adage "where there is smoke, there is usually fire" would seem to fit.
- [The Right Tools for Retirement: A Quick Guide about Annuities](https://blog.annuity123.com/quick-guide-about-annuities/): The question is not if annuities are good or bad. The question is what type of annuity works for your retirement. All tools exist for a purpose. Don`t use a hammer when you need a screwdriver. In this article, I will discuss the purpose of annuities, specifically fixed and fixed indexes annuities. By the end of this discussion, I will outline some of the questions surrounding annuities and why annuities are the right tool for your retirement.
- [Why The Popularity of Annuities Can Be a Bad Thing!](https://blog.annuity123.com/popularity-annuities-can-be-bad/): If you’re like many Americans nearing retirement, you’ve been invited to more dinner and lunch seminars than you can count. What might surprise you is that only half a percent of people who receive those invitations actually attend the seminar. Even more shocking is that majority of seminars are geared toward one thing: presenting and soliciting annuities.
- [The New Age Annuities…](https://blog.annuity123.com/new-age-annuities/): “If I don’t use it, I don’t want to lose it” is something that many retirees have conveyed to me for years. The new-age annuities today also allow for the capacity, through an additional rider, to have nursing home and home health care provisions alongside the annuity, without having to get a clean bill of health or pay a monthly premium. These riders have evolved and improved, just as the annuities that offer them have. Here is a hypothetical example: If you put $200,000 into an annuity with a long-term care provision and let it sit for 10-20 years, and then you need extra funds for care in your home or at a facility, you could turn on the benefit built into the annuity. Depending on the product, some offer a base of approximately $25,000-$50,000 annually for both your and your spouse’s lives, if elected. Then, you activate the home health or long-term care option up to a $50,000-$80,000 benefit for either of you for five years in a row, as long as there is a continued need, and two activities of daily living (ADLs) can’t be performed. After approximately five years, the benefit will go back down to the base, which could be between $25,000 and $50,000. This could be an effective strategy for those who want to help make sure that other assets are being preserved for the surviving spouse or as a legacy.
- [The Herd Investment Philosophy](https://blog.annuity123.com/herd-investment-philosophy/): When I was 23 years old, my employer decided to change their pension retirement system to a 401k. I received the letter from Human Resources instructing me to attend the meeting with the financial advisors who were going to help me set up my new 401k. I was excited that I was finally well on my way to financial independence and that after this meeting, I would have all the tools to become the first millionaire in my family.
- [What Should I Believe About Annuities?](https://blog.annuity123.com/what-to-believe-about-annuities/): Of the entire spectrum of financial tools and products that have been available to investors over the last several decades, virtually none of them have been so polarizing as annuities. In theory, they are attractive options for retirees looking for a consistent income stream often times supplementing a pension or Social Security. Yet there is no shortage of articles both on the Internet and in print advising would-be annuity owners about the many pitfalls of these instruments. Some commentators offer cautious, thoughtful insight into the pros and cons of annuities. Others are not so reserved.
- [Dancing with Your Money: The 2-Step for Tax Free Income and Legacy](https://blog.annuity123.com/dancing-with-your-money-the-2-step-for-tax-free-income-and-legacy/): Ok, cute title… but what the heck is a “2-Step” when it comes to taxes and my money? Well, if you currently have savings in a qualified 401k, 403b or 457 Deferred Compensation Plan, then one of your concerns is probably how taxes will impact your retirement as well as the legacy you leave your family. You might want to consider implementing this simple 2-step financial planning strategy.
- [Value and Variable Annuities](https://blog.annuity123.com/value-and-variable-annuities/): Everyone always asks me, “Chris, what do you think of variable annuities?” And every time they do, my first thought to myself is, “how much time do you have?” I have over 20 years of experience on this subject, and there are so many things I would like everyone to know and learn. But the reality is: For most people, what I know about variable annuities is too complex for the average investor to want to learn. I believe the insurance companies that offer variable annuities make them intentionally complex.
- [Are American COWS Being Fattened for the Slaughter?](https://blog.annuity123.com/american-cows-fattened-for-slaughter/): In the last three decades that I have been in the industry, I have never seen change occur as fast and furious as it does today. As a country, we have the highest debt ever with over 19 trillion owed. Our inflation is eating the dollar’s value each year. Unemployment is at its worst, and taxes are increasing at alarming rates. The mortgage industry has just gone through one of the largest bubbles ever, and it is reported that another is on the rise. Our stock market is volatile and unstable. There is not one American that has not felt some of the economic stresses mentioned. If not personally, then some family member has, or is, experiencing it.
- [Fixed Index Annuity Basics](https://blog.annuity123.com/fixed-index-annuity-basics/): So let’s look at fixed index annuity basics, and why it has become the go-to tool for baby boomers.
- [Fixed Annuities vs. Variable Annuities](https://blog.annuity123.com/fixed-annuities-vs-variable-annuities/): For most people, the word “annuity” might as well be a four-letter word. When I talk about them in my practice, I find that there is a very negative connotation associated with them. Yet most people’s understanding of annuities is very limited at best. So, I wanted to take some time to explain what they are and go over some of the different kinds of annuities. I think most people will realize that they are not quite the monster they have been made out to be.
- [What If You Live Too Long?](https://blog.annuity123.com/what-if-you-live-too-long/): While this is great news on one hand, it also creates challenges on the other hand. I always tell my clients, “People generally have two problems in life: They either die too soon or they live too long; both can be devastating.” In other words, an 80-year-old retiree who has depleted his or her retirement account is not a pretty picture. Most people have not discovered the savings vehicles that will safeguard their IRA or 401k—protecting each of these portfolios from downturns in the stock market. That’s right! They are guaranteed to not lose your money, even during a market collapse (such as in 1987, 2001 or 2008). These fantastic savings products are called Fixed Index Annuities (FIAs). Annuities were created over 200 years ago to protect long-term savings. FIAs offer the investor an opportunity for good upside potential, while guaranteeing protection from downturns in the market.
- [Kissing Market Risk Goodbye](https://blog.annuity123.com/kissing-market-risk-goodbye/): It’s the time of life that you have been waiting all your working years to experience. Retirement has finally come, and you can enjoy what you have been working so hard for. But suddenly, a flood of questions stream through your mind: What will happen if the market takes a sudden downturn?
- [Engineering Your Wealth….Takes a Methodical Approach!](https://blog.annuity123.com/engineering-your-wealth-takes-a-methodical-approach/): Engineering your wealth should entail a comprehensive approach that effectively identifies and explores the negative impact of wealth transfers and identifies strategies to reduce or help avoid them. The strategies during your “accumulation” years prior to retirement may be different than the strategies during your “distribution” years during retirement. During either stage of the financial timeline it is important to minimize the potential wealth transfers that may occur unknowingly and unnecessarily.
- [When is the Right Time to Buy an Annuity?](https://blog.annuity123.com/right-time-to-buy-an-annuity/): When is the right time to buy an annuity? Maybe now, maybe later, maybe never. An annuity is not always appropriate for everyone. But annuities can be very useful tools to the majority of retirees who need some safety and additional income in their portfolios
- [Variable & Hybrid Annuities – Are They Good or Bad?](https://blog.annuity123.com/variable-hybrid-annuities-good-bad/): Of the fixed annuities sold there are “fixed interest annuities”, which earn a stated interest rate per year for 3, 5 or 7 years, and “indexed/hybrid annuities”, which typically earn interest based upon the one-year gains of the S&P 500 index; but more on indexed/hybrid annuities later.
- [How to Never Lose Your Money: A Guide to Fixed Indexed Annuities](https://blog.annuity123.com/guide-to-fixed-indexed-annuities/): Believe it or not, Tony Robbins, motivational guru, has joined the ranks of advisors offering fixed indexed annuities to the American public. He realizes that people in the United States today find value in the benefits that a fixed indexed annuity provides. What other investment can protect you from market risk while simultaneously producing tremendous streams of income guaranteed to last you for life, and also the lifetime of your spouse? There is no other product offered today that can do what a fixed indexed annuity can. Annuities can help you:
- [Five Common Annuity Misconceptions](https://blog.annuity123.com/five-common-annuity-misconceptions/): It’s important to understand the facts as it relates to five common annuity misconceptions:
- [Who Is Suggesting Your Annuity?](https://blog.annuity123.com/suggesting-annuity/): I don’t think I have received more questions or have seen as much confusion as I have concerning annuities and life insurance. For today’s discussion, we are going to focus on annuities – how they’re sold, how they’re bought, and what is important when buying not just annuities, but any financial product or service.
- [A Look Inside Wall Street](https://blog.annuity123.com/look-inside-wall-street/): 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 say) out there. I just want you to consider the source!
- [Are Bonds Giving You the Blues?](https://blog.annuity123.com/bond-blues/): The “Bond Blues” are beginning to show their ugly faces. Your supposedly safe investments are now showing losses, and if certain bond issuers don’t reorganize their affairs, they could possibly default.
- [Four Good Reasons to Buy an Annuity Now](https://blog.annuity123.com/good-reasons-to-buy-an-annuity-now/): Now that you know a little more about annuities, here are four good reasons to buy an annuity now:
- [What If?](https://blog.annuity123.com/ready-for-retirement-risks/): There are many risks we deal with every single day of our lives. Some risks can be insured; others are uninsurable; and yet others are self-insured, meaning we carry the burden of risk upon ourselves. Risk management is the practice of appraising and controlling risk. Risk can, and should be, profitable for you now, as well as in the future.
- [Annuities 101](https://blog.annuity123.com/annuities-101/): I cannot count the times that I have sat down with a couple and asked what they would like to have in their retirement portfolio, and they tell me they want to have guaranteed income they cannot outlive, maintain their principal with little or no risk, and be able to participate in the market when it increases.
- [The #1 Reason Why the “Bucket Strategy” Isn’t Enough for Today’s Retirees](https://blog.annuity123.com/reason-why-bucket-strategy-is-not-enough/): If you are reading this article right now, it is likely that you fall into one of these three categories:
- [To Annuity or Not to Annuity? That is The Question.](https://blog.annuity123.com/annuity-or-not-to-annuity-question/): In today’s fast-paced world and economy we need to be sure of the financial steps we take, after all, it could mean the difference between enjoying retirement without worry, cutting back on your lifestyle, or worse yet, going back to work.
- [The Five Steps to Making Investment Decisions](https://blog.annuity123.com/five-steps-making-investment-decisions/): We firmly believe there should be a process for making investment decisions that involves these five steps in the following order:
- [Downsizing](https://blog.annuity123.com/downsizing-in-retirement/): The kids are off to college, your parents are still living independently, and there you are with your significant other, roaming around a big, empty house wondering why, and it hits you: “Let’s downsize!” Financially, it makes perfect sense. You’re paying for a lot of house you’re not using. You’ve got a big yard to maintain and a lot of stuff that you haven’t used in years. If you’ve owned the house for a while, you probably have some equity that could be used to supplement retirement, pay off some debt, or take a nice, long vacation. Sounds too good to pass up; so, you take the plunge and spend the next several weeks, or months if you’re a pack rat, cleaning out the house. It’s never as easy as expected. You have to make some hard decisions on what to keep, what to donate, what has value and can be sold, and finally, what to put into the dumpster.
- [How Is My Annuity Taxed?](https://blog.annuity123.com/how-is-my-annuity-taxed/): How annuities are taxed can be dependent on the types of funds you use to invest in the annuity. When you invest with qualified funds, withdrawals are taxed as ordinary income. When you invest in an annuity contract with non-qualified funds, withdrawals are taxed as ordinary income until you get to the principal, which has already been taxed. When you use tax-free or Roth investments to fund your annuity contract, withdrawals maintain their tax-free status.
- [Retirement 101: Planning for FV=PV(1+i)t3](https://blog.annuity123.com/retirement-101-planning-for-future-value/): So the title (Retirement 101: Planning for FV=PV(1+i)t3) of my article is a bit odd, you say? Maybe it is to you, but it most certainly shouldn’t be to a professional financial advisor. I find it curious how so many advisors all across the country fail to solve for FV. What is FV, you ask? It represents “Future Value” (as in, the future value of your money) of course.
- [Rebuttal to ‘Don’t Buy Index Annuity Article’ on AARP](https://blog.annuity123.com/rebuttal-to-dont-buy-index-annuity-article/): In the May 2014 AARP magazine, Allan Roth set the tone for his article “Don’t Buy It”with a picture of Leonardo DiCaprio, star of the movie The Wolf of Wall Street. In the film, DiCaprio plays a dishonest, immoral and unethical investment banker. This “Wolf of Wall Street” ended up in prison for the rest of his life, convicted of felony charges, racketeering, extortion, and stealing money from the general public. He was a wicked and completely dishonest criminal, much like Bernie Madoff.
- [How To Avoid Getting Scammed When Funding Annuities](https://blog.annuity123.com/how-to-avoid-getting-scammed-when-funding-annuities/): So, you have decided to purchase an annuity. Remember that most fixed annuities only provide annual statements – do not wait a whole year to find out if you have been scammed! The Latin statement caveat emptor, “Let the buyer beware,” has never been more appropriate. No one wants to lose his or her retirement savings to the likes of Bernie Madoff, or be the poster child for shows like “American Greed: Scams, Schemes, and Broken Dreams.” Be knowledgeable about where your funds are going.
- [Fixed Index Annuities – Protect Your ‘Safe’ Money!](https://blog.annuity123.com/annuities-protect-safe-money/): Against a background of more and more talk of another market correction, we thought it a good time to revisit the role that Fixed Index Annuities (FIAs) play in one’s overall retirement strategy.
- [An Overview of Crediting Methods of Fixed Indexed Annuities](https://blog.annuity123.com/crediting-methods-of-fixed-indexed-annuities/): Fixed indexed annuities (FIAs) are a valuable tool for retirement savings. They provide peace of mind by offering guarantees and safety of the principal amount. What’s more, they offer growth opportunity to help retirement savings keep up with the pace of inflation.
- [21st Century Retirement Planning Equals Social Security, Pensions, 401ks and Annuities](https://blog.annuity123.com/21st-century-retirement-planning/): Retirement in the 1960s almost always consisted of your Social Security and your savings. About 90% of people working used this method to fund their retirement years, and most families only had one wage-earner to draw Social Security, so the decision of when to start taking it was an easy one – most of the time, when you stopped working.
- [Is An Annuity Like A Pension?](https://blog.annuity123.com/is-an-annuity-like-a-pension/): The decline of traditional pensions and steady erosion of Social Security benefits has started to leave most retirees without a source of guaranteed lifetime income. Plugging that hole is emerging as the most important retirement issue of our day. According to a Black Rock retirement survey, 77% of retirees wish they had locked in a guaranteed income stream when they retired, and 86% say their employer should have helped them arrange one.
- [Top 3 Reasons Not to Buy an Annuity](https://blog.annuity123.com/top-3-reasons-not-to-buy-an-annuity/): We spend so much time dwelling on why you should buy an annuity that we never go over some reasons not to do so. Also there are some myths out there regarding annuities that we hope to dispel.
- [The Question To Ask Yourself Before You Buy An Annuity](https://blog.annuity123.com/question-to-ask-before-buying-an-annuity/): As you consider all of your financial options, there is one simple question or thought that you must filter your decisions and strategies through to have a successful, independent retirement. However, before you can look at various solutions, you have to understand the needs of your household. Once you know how much your monthly expenses are and how much you need for income in retirement, you are now ready to take the next step.
- [The Secret to Minimize Risk and Maximize Returns](https://blog.annuity123.com/the-secret-to-minimize-risk-and-maximize-returns/): I’ve been a financial advisor for over 22 years, and one thing I’ve learned is that when most clients approach retirement, they consider themselves conservative investors. Yet in 22 years of examining retired clients’ asset mixes, I find that most are actually allocated more toward a moderately aggressive mix. Why is there such a discrepancy between what they want and what they have? The reason is that most of them don’t have a very clear picture of what retirement looks like to them – what it will cost them for that lifestyle, and how long they will actually live. Then to compound matters, they truly don’t know what type of real return they need or how to set up their portfolios to accomplish that goal.
- [Is A Fixed Indexed Annuity Right for You?](https://blog.annuity123.com/is-a-fixed-indexed-annuity-right-for-you/): What if you could have an investment that you knew you could not lose? Would this get you excited, or would you be thinking, “This is too good to be true”? I want you to imagine you and a friend are going to Las Vegas. This does not mean you are a gambler, but let’s pretend for a moment that you are sitting in Caesars Palace at the roulette table. The dealer tells you that you are in luck; he is going to let you place your money on black. He says if the ball lands on black, you win – but the really great news is that if it lands on red, you can keep all of your money. In other words, you can only win and you can never lose what you started with. You know as well as I do that you would want to play all the time because you would always be a winner.
- [Breaking The Rules](https://blog.annuity123.com/breaking-the-rules/): To start, let me tell you a secret that many banks, stockbrokers and insurance agents won't tell you. All three want you to give them your hard-earned money, and all three make money off of your money being invested with their financial institutions.
- [When and Where Do I Begin Planning for Retirement?](https://blog.annuity123.com/when-and-where-do-i-begin-planning-for-retirement/): The first part of this question is very simple to answer. When do you begin planning for your retirement? The answer in my opinion is, “AS SOON AS POSSIBLE.”
- [How Not To Run Out Of Money In Retirement](https://blog.annuity123.com/how-not-to-run-out-of-money-in-retirement/): The single biggest retirement concern facing seniors today is running out of money in retirement.
- [What Is Unique About An Annuity?](https://blog.annuity123.com/what-is-unique-about-an-annuity/): When I coached college football years ago, the young players often wanted to stand out, to be different and unique, and have some sort of distinction from the other players. Some would wear their uniforms differently, with multicolored socks or flashy undershirts. Some would do crazy things with their hair, like shave it off, grow an extra-long beard, or let their really long hair flow out of their helmet. Although any one of these features would get a player noticed, my coaching experience taught me that performance is what truly sets players apart. Strong, steady, consistent performance and making good plays will always separate one player from another.
- [Which Type of Annuity Fits Your Goals?](https://blog.annuity123.com/which-type-of-annuity-fits-your-goals/): We often hear the expression that an educated consumer is the best consumer. I believe this holds true, whether someone is purchasing an appliance or an annuity. When visiting a client for the first time, after a discussion of goals and objectives, I like to explain the four types of annuities.
- [How Long Will Your Money Last in Retirement?](https://blog.annuity123.com/how-long-will-your-money-last-in-retirement/): Longevity is on the rise, and with increasing life expectancies, many people are running into the problem of outliving their savings. If we hit a major inflationary period, you could very well run out of money faster than expected. The problem lies not in when you will run out of money, but which vehicle offers the guarantee that you won’t outlive your money and allows for growth opportunities.
- [Are Fixed Indexed Annuities (FIAs) Bad for Retirees?](https://blog.annuity123.com/are-fixed-indexed-annuities-fias-bad-for-retirees/): The answer you receive to this question will depend on the person you ask. I’m of the mindset that if it works for my client, I like it. If it doesn’t work for my client, I don’t like it.
- [15 Questions to Answer Before Taking That Buyout Offer For Your Annuity Riders](https://blog.annuity123.com/15-questions-to-answer-before-taking-that-buyout-offer-for-your-annuity-riders/): Many owners of variable annuities purchased in the mid-2000s have been receiving letters from the insurance companies offering substantial sums for giving up the guarantees provided in their income or death benefit riders.
- [Fixed Index Annuities – Do I need that Income Rider?](https://blog.annuity123.com/fixed-index-annuities-do-i-need-that-income-rider/): As with so many annuity and other retirement decisions the answer is, “that depends”! This is not a ‘cop out’ on our part.
- [What Does “Guaranteed” Mean?](https://blog.annuity123.com/what-does-guaranteed-mean/): Bonuses, rollup rates, income-doublers, payout rates… It's all noise. What do you really get out of an annuity for every dollar you put in?
- [What is Your Annuity Perception (or Deception)?](https://blog.annuity123.com/what-is-your-annuity-perception-or-deception/): Close your eyes for a moment. Picture what your “ideal” investment would look like.

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