Annuities

caught off-guard

Don’t be Caught Off-Guard

We are always reading articles reminding us that social security is often not enough to support our needs in retirement. No one should be financially caught off-guard when they retire, which is why it may be of interest to you to think about a Fixed Index Annuity as an option. An FIA can offer a…

to consider

What to Consider

This recent article (click here to read) is about what key features to consider when choosing a fixed index annuity during a time of market unease. It helps us to understand details like how FIAs can help act as a source of guaranteed income, even when the markets are declining.  Reading the article provides tips…

insurance company grade

What Does An A+ Mean?

We all remember our school days of worrying about the grades we would receive. What does it mean when an insurance company gets graded? Insurance companies are rated with a letter grade to indicate their ability to meet their continuing obligations. An A+ rating means that they are considered superior. You will usually also see…

indexed investment

How You Make Money With an Annuity

A fixed indexed annuity is a type of annuity contract between you and an insurance company. It generally promises to provide returns that are based on a link to the performance of a market index. You usually make one initial lump sum payment to the insurance company. That payment is then allocated to one or…

Review the basics

Refresher

We try to educate our clients on annuities. Sometimes, it’s a good idea to review the basics. Click here to visit our annuities page. We’ve outlined information such as the different types of annuities, the nature of the underlying investment, the primary purpose of an annuity, the nature of the payout commitment, the tax status…

recession concept graphic

Economists Looking for Signs of a Recession

Wall Street economists are panicking after yields on two-year Treasury notes moved above yields on ten-year notes. Economists track how the interest rates of different maturity levels vary, looking for signs of coming changes in the economy. When short-term interest rates are higher than long-term interest rates, it’s what’s known as an inverted yield curve….

risks

Biggest Risks to Your Retirement

What can be done to reduce those risks? You’ve been saving for years and have finally retired. There are so many world events going on, both domestically and abroad, that the only constant now seems to be change. The news is full of commentaries about market declines and inflation but we can provide you with…

Happy black grandparent and granddaughter leaving a legacy with an annuity death benefit

Annuity Death Benefit

Could Your Spouse Receive a Fixed Index Annuity Death Benefit? If you have an annuity (or, are thinking about getting one) you may be wondering about your annuity death benefit. Essentially, many people want to know what happens to their money when they die. The answer to this depends upon several factors, which we will…

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