Would You Rather Be Rich? |
July 15, 2013 |
Allen Trimble, Index Annuities, Member Posts
Written By: Allen Trimble in San Antonio, TX When I talk with folks about their retirement income, or planning their retirement income, we discuss various savings and investment vehicles that we could use. This discussion often runs the gamut, from CDs to gold to the stock market and just about everything in between. Not surprisingly, most people in or near retirement want to know that their money is safe and that their income is or will be secure and sustainable. What could be worse, financially...
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John CasaSanta |
July 12, 2013 |
Annuity Basics
Question: My wife died a few months ago, how do I change my beneficiary? – Dave A. in Matthews, NC Answer: Changing a beneficiary is a very easy process. The majority of the time you can go on to your insurance company’s website and download a change of beneficiary form. Complete the form, indicate the new beneficiary and submit it to the company along with a certified copy of the death certificate. This process should be used for any life insurance, 401K or annuity. In...
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Stan The Annuity Man |
July 11, 2013 |
Annuity Definition, Ask Stan The Annuity Man, Longevity Annuities, Member Posts
Question: What is a longevity annuity? Is this something new? – Ben from Dallas, Texas Answer: Thanks for the question Ben, and this is a product that I recommend a lot to my clients. The longevity annuity was actually introduced to the market about 7 years ago. It has also been called a “Deferred Income Annuity” and also a “Deferred Immediate Annuity.” Confused?….don’t be because its strategy is easy to understand, which is a primary reason for its growing popularity with consumers. First of all,...
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Stan The Annuity Man |
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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John CasaSanta |
July 8, 2013 |
The Global Economy, The United States Economy
Would your retirement dreams change if the stock market suddenly lost 50% of its value? I think we can all agree that this kind of stock market collapse would be devastating to our country. Let’s hope this doesn’t happen again, but we all need to be mindful that it is possible and it is essential to know how to protect your family from financial turmoil… education is key. Check out the eye-opening video by clicking here (stock market meltdown) or on the icon below. Annuity123...
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John CasaSanta |
July 8, 2013 |
Annuity Basics
Barry Goldwater, Founder of Goldwater Financial Group, has produced an insightful video describing the core advantages of captive insurance companies. Click here (Advantages of Captive Insurance Companies) to watch his educational video. To learn more, visit his website: www.smartmoneyboston.com. Annuity123 is an educational platform only. Annuity123 does not offer insurance, investment, or tax advice. You should always seek the guidance of qualified and licensed professionals concerning insurance, investment, or tax matters.
John CasaSanta |
July 5, 2013 |
Press Releases
Annuity 123 is excited and honored to report that Clif Albino has joined its network of retirement income advisors for the benefit of consumers in Southeast Wisconsin who are in need of obtaining personalized retirement income guidance. Please see below for an overview of Clif Albino’s practice. Company Name: Albino & Associates Brief Business Description: As A Chartered Financial Consultant with 25 years of experience, I design tax-free retirement plans that have less expense than mutual funds, better returns than the S & P 500...
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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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