Case Studies

A collage of four images related to finance: a man analyzing stock charts on a computer screen, a nest with three white eggs resting on a bed of US dollar bills, a hand writing notes next to printed financial charts and graphs, and a digital stock market display with numbers and red downward arrows. Below the images is the text "Annuity Bait & Switch Case Study: He Went to the Bank for a CD . . .

Annuity Bait & Switch Case Study: He Went to the Bank for a CD . . .

We’ll close with this sad and amusing story, which kind of sums up the modern state of the annuities minefield. Walter is a soft-spoken 83-year-old who popped up at one of our workshops. He said he came in so we…

A collage of four images related to finance: a man analyzing stock charts on a computer screen, a nest with eggs and dollar bills symbolizing investment, a hand writing on a notepad next to financial charts and graphs, and a digital stock market display with numbers and red downward arrows. Below the images is the text "Annuity Horror Story Case Study: Johnny and the Annuity He Didn’t Have" on a light peach background.

Annuity Horror Story Case Study: Johnny and the Annuity He Didn’t Have

This one’s not really an annuity story, but probably sets the stage for a new book, “Got Life Insurance?”, “Got Whole Life?”, or something like that. Johnny is a professional in his mid-40s who does quite well. He came to…

Annuity Commissions & Misrepresentation Case Study: He’ll Be 99 When He’s Free

An engaging 84-year-old, Bill showed up at a lunch workshop just after Thanksgiving, and had brought all his paperwork with him. Like so many others, Bill had sensed that “something just wasn’t right” with his investments, and decided to jump…

Annuity Misrepresentation & Fraud Case Study: George and the 3% “Misunderstanding”

George has been a client for a while, recently retired, and has plenty of money to get through retirement, though he worries about it all the time. It turned out that George had purchased a small (for him) index annuity…

Unsuitable Annuity Sales Case Study: The Teacher and the Worthless STACK of Annuities

Beatrice has been a client for many years now. Her husband, Jack, used to handle most of the finances, but since he died, Bea has dealt with me directly. Fortunately, Bea is quite well off. Between Jack’s retirement plan and…

Problems with Annuities Case Study: The Plumber’s Helper and Her Last $10,000

Marcie is divorced and is the 38-year-old mother of one child. She really has to scrape to get by on the $15,000 or so she makes a year carrying plumbing supplies and gluing plastic pipe. Like so many these days,…

Deceptive Annuity Sales Case Study: The Nice Man from the Library

This is a story we drew from for one of the very first chapters. Fred and Ethyl, both in their late 60s, went to a seminar at the local library, and would end up getting hard-pitched on a super-high commission…

Smarter Money Matters: Real stories about how leaving the wrong beneficiary on your IRA plan can be a costly mistake. The image features three professionally dressed individuals and a red button with the text "Watch Now" accompanied by a video camera icon. The background has a geometric pattern in green and brown tones.

Real Stories How Leaving the Wrong Beneficiary on your IRA Plan Can be a Costly Mistake

Submit Questions for Next Week’s Episode hereIn Today’s Episode of Smarter Money Matters with Dr. Jeff Camarda, Lou, and Anna… Outline why outdated IRA and 401(k) beneficiary designations can create major tax and estate problems—and why reviewing them regularly is…

Annuity Pitfalls Case Study: The PVC Tycoon

Harry’s in his early 70s and still runs several companies, the most profitable of which cranks out plastic in Georgia like you would not believe. Phyllis is his wife. They’re worth millions (mostly due to Harry’s grit and sweat) most…

A banner with four images at the top: a man analyzing stock charts on a computer, a nest with three white eggs on a bed of US dollar bills, a hand writing on a notepad next to financial charts, and a digital stock market display with numbers and red arrows. Below the images is the text: "Unsuitable Annuity Sales Case Study: The Rouge Broker and the Written Guarantee." The background is a gradient from light peach to a darker peach, with a green border around the images and text.

Unsuitable Annuity Sales Case Study: The Rouge Broker and the Written Guarantee

This is one of the most incredible stories I’ve ever come across since entering the financial world as a young stockbroker in the early 1980s. I’d thought I’d heard everything, but this one just blew me away. The Annuity Letter…

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Case Studies

Annuity Bait & Switch Case Study: He Went to the Bank for a CD . . .

Annuity Horror Story Case Study: Johnny and the Annuity He Didn’t Have

Annuity Commissions & Misrepresentation Case Study: He’ll Be 99 When He’s Free

Annuity Misrepresentation & Fraud Case Study: George and the 3% “Misunderstanding”

Unsuitable Annuity Sales Case Study: The Teacher and the Worthless STACK of Annuities

Problems with Annuities Case Study: The Plumber’s Helper and Her Last $10,000

Deceptive Annuity Sales Case Study: The Nice Man from the Library

Real Stories How Leaving the Wrong Beneficiary on your IRA Plan Can be a Costly Mistake

Annuity Pitfalls Case Study: The PVC Tycoon

Unsuitable Annuity Sales Case Study: The Rouge Broker and the Written Guarantee

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