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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 the tribulations of The Great …

August 29, 2007

Category: Annuities, Articles

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Interest rates remain at historic lows. Conservative investors who needed guaranteed income and preservation of principal are in a bind. In many cases, returns at the bank are below one percent, but fixed annuity accounts are providing much better yields. Many investors are purchasing fixed annuities rather than bank instruments in order to capture higher …

August 29, 2007

Category: Annuities, Articles

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These days investors are looking for safety and security more than ever, especially after the two major stock market corrections in the last decade. 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 funds to provide income and stability …

August 29, 2007

Category: Annuities, Articles, Retirement Planning

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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 continued expansion. Here’s an …

June 30, 2007

Category: Annuities, Articles, Third Party

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The newest addition to the LTC marketplace is the long term care hybrid annuity account. This product functions exactly like a fixed annuity, but it has a long term care multiplier built into the policy. There is no premium rider associated with this medically underwritten annuity policy. Put another way, there is no annual cost …

June 29, 2006

Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning

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