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Tag Archive: john p grimes

Choosing an Annuity? What Rate is Most Important: Bonus, Roll-up, Pay-out, Caps?

John P. Grimes

John P. Grimes | December 26, 2013 | , , , , , , ,

In the years before Indexed annuities were offered (pre 1995), fixed annuities had only one rate you needed to know to compare policies; the fixed interest rate. Assuming the companies had similar financial strength ratings it was pretty easy to pick the best annuity for your needs: Who was offering the highest interest rate? Fortunately (or unfortunately if you long for simpler times), annuities today come with many moving parts. Riders that provide guaranteed lifetime income, long term care benefits and enhanced death benefits are...

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What Do People Want Most From Retirement?

John P. Grimes

John P. Grimes | November 22, 2013 | ,

Before I answer that question, let’s take a minute and reflect on what it took to get to this point in your life assuming you’re already retired or about to be retired. If you’re like most people, you’ve worked hard over the last 40+ years to be able to retire. You competed to get that first job, worked hard to advance in your career, having to learn new skills and technologies along the way to keep up. You started and raised a family with all...

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