Rescue Your Underperforming Annuity
It was only a few years ago that interest rates plunged to historic lows. Conservative investors who needed guaranteed income and preservation of principal were in a bind. In many cases, returns at the bank were below two percent and fixed annuity accounts yielded only marginally better. Many of these ...
Safe Investments in Volatile Markets
Recent significant stock market declines and portfolio volatility have many investors inquiring, once again, about the safety of annuity accounts. Consumers will ask, “Are they safe from a recession? Do they maintain value when the market goes down? Can I lock ...
Two Online Annuity Presentations
Recent market volatility resulting in portfolio declines has once again lead to a demand for safe and secure investments. With so many investment options available to them, many conservative minded consumers are unsure where to find accounts that guarantee principal, investment ...
What’s the buzz about equity-indexed annuities?
These days it seems investors are looking for safety and security more than ever, especially after the major stock market correction witnessed from 1999-2002. Four years later, numerous brokerage and variable annuity accounts still have not recovered their losses from that time period. Unfortunately, many investors were counting on those ...
Will You Have Enough Income at Retirement?
In my numerous meetings with retirees, I have met many who live very comfortably in their golden years. Foremost, they have conservatively invested nest eggs typically in annuities and brokerage accounts. They also possess sizeable deposits at the bank including certificates of deposit, savings and checking accounts. This generation experienced ...
Long Term Care Examples - Traditional and Hybrid
Traditional Long Term Care
Until recently, Ohio consumers had few choices when it came to long term care insurance. Traditional policies, which provided a certain amount of selected coverage, were the norm. Policies could be designed to cover care expenses for a few months, ...
Wealth Transfer Using Life Insurance
Wealth transfer and asset protection are important topics for many baby boomers and seniors. Consumers want to learn efficient ways to maximize the distribution of assets to their spouses, younger generations and favorite charities. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not ...
The Boom Market Goes Bust
The S&P 500 - January’s first trading day in 2007: 1268.80
Many investors entered 2007 with positive expectations for the year ahead. In fact, a substantial number of large cap companies reported double digit income growth in the first quarter of the year. Pundits immediately chimed in with rosy prophecies of ...
