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Anton Hendler |
May 28, 2014 |
Income Riders, Index Annuities
As with so many annuity and other retirement decisions the answer is, “that depends”! This is not a ‘cop out’ on our part. It depends on where you are relative to retirement, where your funds are currently invested and what your plans are going forward. There are many rider options within Fixed Index Annuities (FIAs) and most of these carry an additional fee. So before you jump into one of these options you need to answer this question “do I need this?” The Income rider...
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Anton Hendler |
March 31, 2014 |
Annuity Caps, Index Annuities
One thing that is for certain in the Insurance Industry (or any service industry) is that the market will always react to demand for a product. It’s no different with Fixed Index Annuities (FIAs), and recently we have seen more and more ‘Uncapped Products’ offered in reaction to the markets demand for a greater share of upside gains. As with any FIA where you always only share in the market upside (but never in the downside) there are costs and limitations involved so provided you...
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Anton Hendler |
March 4, 2014 |
Annuity Basics
With the recent uncertainty around bitcoin in general and Mt.Gox (the biggest bitcoin exchange) in particular, we felt this was an apt time to reiterate a few of the points we have made in recent months regarding Fixed Index Annuities (FIAs). For those not familiar, bitcoin is a virtual currency that can be used as payment for certain transactions and is traded on various exchanges. According to their site bitcoin “uses peer-to-peer technology to operate with no central authority or banks; managing transactions and the...
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Anton Hendler |
February 22, 2014 |
Annuity Basics, Fixed Annuities, Index Annuities
“Beauty is in the eye of the beholder”, so the saying goes. So it is that with an article of this nature, it depends on who is writing it and that persons perspective as no two people will share the same opinion. So let us nail our colors firmly to the mast, so to speak, and share with you that we promote Fixed Index Annuities (FIAs) to our clients and are firm believers in their place in any Retirement strategy. Now that we have our...
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Anton Hendler |
February 14, 2014 |
Annuity Taxes, Index Annuities
One of the features of a Fixed Index Annuity (FIA) is that it grows tax deferred on a compounding basis. Essentially what this means is that your interest earned every year is not taxed but is left in the annuity to continue to grow each year and is only taxed when taken as income at some point in the future. This can be more significant than one would, at first, imagine. Let us take a simple example to illustrate the point. Let us assume that...
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Anton Hendler |
February 4, 2014 |
Annual Reset, Annuity Basics, Fixed Annuities, Index Annuities
Of all the features of a Fixed Index Annuity (FIA), arguably the one with the greatest value is the annual reset. What this means is that every year on the anniversary of the policy, any gains in the market (based on the strategy which you have chosen and an index such as the S&P 500) will be credited to your policy and then ‘locked in’. So if the market goes down in the next year, not only will you not go down (you will stay...
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Anton Hendler |
January 27, 2014 |
Fixed Annuities, Index Annuities
Much has been written about FIAs (Fixed Index Annuities) but the point we would like to make in this article is that an annuity is, at the end of the day, an insurance product and one should look at it as insurance on your retirement. Because there is no down-side risk, the insurance company guarantees your investment but, not only that, in the case of a FIA, the company will allow you to share in the market growth subject to certain limitations. As with any...
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Anton Hendler |
February 5, 2013 |
Press Releases
Annuity123 is excited and honored to report that Barry Young has joined its network of retirement income counselors for the benefit of consumers in Ft. Lauderdale, Florida who are in need of obtaining personalized retirement planning guidance. Please see below for an overview of Barry Young’s practice. Company Name: Whitestone Wealth Mgt. Brief Business Description: Whitestone Wealth Management is an independent registered investment advisory firm dedicated to the success of our clients. We work closely with our clients to identify roadblocks and retirement and focus on...
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