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Types of Annuities: Is Variable or Fixed Index Better?

Thursday, September 28th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Of the types of annuities, which is better, the fixed annuity or the variable annuity?As you explore your retirement options, you’ll likely encounter more than a few investment strategies.

Whether you’re close to retirement age or years away from it, making smart decisions at the onset is critical to reaping the most reward when that time comes.

Yet, with so many choices and so much jargon surrounding the industry, it can be difficult to determine exactly which path is the best one for you. From different types of annuities to IRAs and 401(k)s, there’s no shortage of places to put your money — if you can discern which place is best.

That might be why, according to a new survey, Americans revealed they’re less confident about their retirement earnings today than they were just one year ago.

One way to boost that assurance? Learn as much as you can about the choices you’re presented.

So let’s start simple. Read More

Fixed Index Annuities’ Top 5 Myths, Debunked

Monday, November 14th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Fixed Index Annuities' Top 5 Myths, DebunkedMany Americans worry that retirement will bring not leisure, but financial hardship. Unfortunately, their fears are valid. More than 25 million Americans aged 60+ are economically insecure, living at or below 250 percent of the federal poverty line.

Maintaining economic security is a real problem to contend with as we age. Social security will only help so much, with the program expected to pay out only 79 percent of benefits by 2034. This leaves a huge shortfall in meeting the retirement income needs of millions upon millions of Americans––a shortfall that will need to be met from individual retirement savings. Read More

Fixed Index Annuities Vindicated

Tuesday, December 3rd, 2013 and is filed under Retirement Income Annuities, Uncategorized

Over the years, annuities have gotten a bad rap in the investment world (see “Annuities: The bad boys of the investment world?”). The trouble is some of the most vocal critics of annuities, specifically of Fixed Index Annuities, either misunderstand or misrepresent how the plans work. As a result, a lot of misinformation has found its way into the media and has been adopted as fact by many mainstream financial professionals.

A recent article, “Real-World Index Annuity Returns,” seeks to dispel two major misconceptions about FIAs and set the record straight as to how they stack up against other financial products. Read More

Fixed Index Annuities are the new Bond Alternative

Friday, August 30th, 2013 and is filed under Retirement Income Annuities, Uncategorized

When you purchase a bond, you are lending money to an issuer that is usually a government, municipality, corporation, or federal agency. In return for that money, the issuer promises to pay a specified rate of interest periodically during the life of the bond and to repay the face value of the bond when it comes due. Bond maturities can be short term (0-5 years), medium term (5-12 years), or long term (greater than 12 years). Read More

Don’t Miss the “MYTHBUSTERS: Annuity Edition” Workshop in DFW May 7 & 9

Wednesday, May 1st, 2013 and is filed under Retirement Income Annuities, Uncategorized

In these uncertain economic times, I am here to keep you up to date with the latest and best information on retirement income planning.

Technology enables us to reach a lot of people, but nothing takes the place of meeting our subscribers and listeners in person. That is why we have decided to launch a series of live workshops in the DFW area.

We invite you to attend our free workshop,

“MYTHBUSTERS:  Annuity EditionRead More

During Strong Market Performance, Transition Boomers Still Crave Guarantees

Friday, April 19th, 2013 and is filed under Retirement Income Annuities, Uncategorized

New Allianz Life Survey Finds Boomers Ages 55-65 Prefer Protection over Returns, but only One Quarter Currently Own Annuities

Baby Boomers Crave Guarantees, Not RiskMINNEAPOLIS–(BUSINESS WIRE)–Despite the market’s recent strength, Transition Boomers, those ages 55 to 65 closing in on retirement, resoundingly said they would protect their retirement savings with a guaranteed return rather than chancing a loss in the market, according to the 2013 Transition Boomers and Retirement Income survey* from Allianz Life Insurance Company of North America (Allianz Life®). Read More

Wall Street Vs Main Street [Video]

Thursday, March 21st, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

In this video, Safe Money Talk Radio and’s Matt Redding explains Wall Street versus Main Street as it pertains to the stock market versus fixed index annuities.

Matt talks about the roller coaster ride of the stock market over the last ten to twelve years and because of the two approximately 50% declines in the market shows how stockholders have little to show for their investments. Read More

The Feds, your 401k retirement savings & total financial collapse

Friday, March 1st, 2013 and is filed under Uncategorized

American Economic CollapseOur recent article, “Is the Federal Government Eying your 401k,” raised awareness—and a few eyebrows––across the blogosphere, social media, and more.

As we suspected, it also raised a lot of questions.

Following are just a few questions we have received regarding this very complicated subject. We will continue to address additional questions as our readers send them. And, as always, you are welcome to give us a call anytime at 972.473.4700 to discuss your specific questions and concerns. Read More

8% Guaranteed Rate of Return on Income Annuities! Really? [Video]

Wednesday, February 13th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

With interest rates as low as they have been, buying an annuity now that pays a guaranteed 8% compounded rate of return sounds pretty good…on the surface. If you are looking for a guaranteed, static annual income –– that will never grow over time –– one of these plans may be right for you. But, maybe not. Read More

A Fixed Index Annuity Solves the 7 Biggest Retirement Fears (Video)

Wednesday, January 30th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

Find out how a fixed index annuity can solve the 7 biggest retirement fears of the Baby Boomer generation! Safe Money Talk Radio’s fixed index annuity experts, Cathy DeWitt Dunn and Matt Redding discuss the seven biggest retirement fears faced by seniors today…and how a fixed index annuity may be able to help you sleep better at night. Read More