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In this episode, Devin and John dive into a variety of listener questions, discussing annuities, maxing out retirement plans, why HSAs aren't widely talked about, IRMAA, and more. Tune in as we explor...
The devil is in the details with multifaceted products like fixed indexed annuities, so dig beneath the rosy sales pitches to see what you’re really getting....
FROM THE ARTICLE - SEE ARTICLE FOR MORE!!! 6 Reasons Savers Are Skittish About Annuities. Shifting assets into an annuity can provide a reliable income stream in retirement, but concerns remain about ...
After taxes and inflation, the real return you get may not be as good as you think. Here's another approach to consider: fixed deferred annuities....
Find out why higher interest rates benefit some annuities more than others....
Predictable income can provide stability and peace of mind. Here’s how to decide whether an annuity is right for you — and sort through the options....
Figuring out which annuity suits you best starts with knowing what you want the annuity to do for you. Like vehicles, there are lots of options and add-ons....
As the title says. I can retire in 1 to 1.5 years. Confirmed all finances, annuities etc and all line up. I even have planned out what I'll do after. Problem is I've been super unmotivated at work pas...
David Lau of DPL Financial Partners discusses the in’s and out’s of annuities, what to look for in a good annuity and how to utilize them properly in your retirement plan. Annuities are a ...
This article was contributed to Leisure Freak by writer Samantha Higgins. Higher interest rate returns may make annities look like an attractive addition to one’s retirement portfolio and fundin...
New LIMRA research shows majority of workers interested in guaranteed income products—and…...
A couple enjoys the feeling of stability after learning about the fundamentals of annuities. Annuities are a powerful tool in retirement planning, offering a range of income options, riders, and guara...
Today, we answer several of your mortgage questions, including if you should put all the money you can toward your down payment or use some of it to pay off student loans and what kind of mortgage you...
These annuities are tied to the performance of a market index and address concerns about high fees and complex structures....
There is limited guidance on transitioning from saving during working years to spending in retirement years. Why the surging popularity of annuities the last few years?...
Note: If you don't read the entire post, take a look at the attached links to google drive that illustrates two scenarios. 1) $750K initial investment (now) in a fixed index annuity with an income rid...
Over three-quarters of DC plan participants say they would be likely to invest in an in-plan…...
Waiting until 70 to claim Social Security benefits can pay off, so how do you bridge the gap between giving up your paycheck and filing for benefits?...
Here’s how to use your home equity in combination with an annuity contract to produce late-in-life income....
Joe is planning for retirement and wants to minimize his tax burden, especially on the interest earned from his three annuities. James explains that non-qualified annuities are purchased with post-tax...
ANY COMMENTS? ? I DONOT HAVE ANY ANNUITIES! ? FROM ARTICLE - SEE ARTICLE FOR MORE. Whether you’re looking for steady retirement income or a low-risk investment, check the fees and the fine print...
In 2006 I converted a 401k via a 72T mechanism that put the proceeds into a variable annuity (VA). I have been drawing a monthly benefit from that account to date. I was recently advised that I have t...
Providers say working strategies now in place for guaranteed income solutions to start…...
Hello! I am 62 and left my federal government position early in my career after 15 years. I received the initial letter saying they received my paperwork. However my payment should have begun Feb 1. F...
Here's a comprehensive guide to understanding a $750,000 annuity and maximizing the payout....
Guaranteed in-plan lifetime income solutions is a hot topic in the workplace retirement…...
I am retiring in six months and am trying to figure out what to do with my ira and 401 I have with Fidelity. I do not have children and my goal is to have as much cash flow as possible versus keeping ...
In response to Darrow’s recent post on inheriting an annuity, I received the following comment, which I edited for clarity: I have a variable annuity via Fidelity. It is the result of a 1035 con...
55 Y.O looking to retire at 60 $600,000.00 in 401k $300,000.00 in other savings and investments $27600.00 per year in ss at 63 ($2300.00 month) No mortgage, car payments or credit card debt I've heard...
Thebrief’skey findings are: While annuities offer retirees a reliable stream of lifetime income, few people purchase them. To probe people’s perceptions of annuities, a new survey queried ...
Today, Laura Stover, RFC® and Michael Wallin, CFP® discuss the importance of planning for retirement income and the role of annuities in retirement planning. They start by emphasizing the sign...
Today, Laura Stover, RFC® and Michael Wallin, CFP® discuss the importance of planning for retirement income and the role of annuities in retirement planning. They start by emphasizing the sign...
When it comes to achieving your financial goals, one investment avenue that stands out is annuities. Annuities offer a unique combination of protection and growth potential, making them an attractive ...
Thebrief’skey findings are: While annuities offer retirees guaranteed lifetime income, few people have them. A new survey asked financial professionals about the value of annuities for their cli...
In prior posts, we discussed possible assumptions used by life insurance company actuaries in pricing single premium immediate life annuities (SPIAs). In those posts, we provided implied discount rate...
The gap between the desire for annuities and actual holdings likely due to logistical impediments. My colleagues, Karolos Arapakis and Gal Wettstein, have just published a really interesting paper on ...
In my first annuity post here years ago, I wrote, “In my view, annuities can be applied incrementally and strategically as part of your overall retirement income plan. And I’ll be focusing...
Brighthouse's new SecureKey touts growth opportunities and protection against market loss...
Abstract A longstanding puzzle in the economics of insurance, household finance, and public policy is why so few individuals annuitize their wealth. This paper describes results from a recent survey o...
I have been working for my non-profit employer for 33 years. For the last 31 I've been contributing to my 403b, now at Fidelity. When I first started in the retirement plan, one of the offerings was a...
Have you ever wondered if purchasing an annuity makes sense for you? There are two conflicting opinions from financial advisors: some advocate for annuities while others advise against them. James exp...
High interest rates and a wobbly stock market continued to fuel the Great Annuity Boom this past summer....
PGIM’s David Blanchett explores key considerations for plan sponsors facing this important decision...
As the market continues to experience volatility, people in or nearing retirement are seeking ways to protect their savings. Fixed income investments and annuities can provide a stable source of incom...
How can you calculate your annual earnings if you opt to buy this annuity?...
Annuities, especially multiyear guarantee annuities, offer a way for Baby Boomers to rebalance their portfolios, while providing good rates and tax advantages....
Rising interest rates, pressure on Social Security, unpredictable markets and longevity risks are making annuities ever more attractive as a part of retirement planning....
Love ’em or hate ’em, annuities are back. And as always, there's plenty you should know before getting an annuity for yourself....