Annuities

What’s the best annuity for seniors? Is there even such a thing? Annuities are one of the most confounding and controversial products in the “investments” world. I put investments in quotation marks, since annuities are actually life insurance products, and…

Improper annuity advisor recommendation screen test If any of the following apply, you may want to deeply consider if an annuity was properly sold to you and you should get an outside second opinion (like by requesting our free Portfolio…

Annuity Interventions—Reasons and Gameplans  As mentioned, sometimes annuities are perfectly appropriate, fairly priced, and important components of sound retirement strategies. All too often (and most of the time in my professional experience) annuities are improperly sold and poor choices for…

Converting your investments to a pension with annuities Annuities, like pensions and Social Security, offer the promise of lifetime income, something no other investment class can do. With stocks, bonds, real estate, and other alternatives, income that one cannot outlive…

Annuities are taxed kind of as a hybrid between “qualified” retirement plans and IRAs and regular taxable investments. Annuities in IRAs, 401ks and other qualified retirement plans For annuities inside such plans like IRAs, 401ks, TSA/403bs, etc., the IRA tax…

Once upon a time, annuities were fairly simple products, on which the insurance company sought to make money on the interest rate spread between what it earned on bond-like investments, and the interest it paid out on life insurance contracts…

Immediate vs. Deferred Annuities The first basic distinction among annuities contracts is between immediate vs. deferred. As we have seen in the preceding blog posts, all annuities are designed to be irrevocably converted into income at some point, by definition.…

Immediate vs. Deferred Annuities The first basic distinction among annuities contracts is between immediate vs. deferred. As we have seen in the preceding blog posts (Part II and Part I), all annuities are designed to be irrevocably converted into income…