Download or read book Annuity 360 Learn All You Need to Know about Annuities written by Ford Stokes and published by . This book was released on 2020-12-14 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: There are a lot of misconceptions around annuities. Most of them revolve around the sale of variable annuities from brokers where there is a lot of overpromising done, in my Humble opinion. For example, a variable annuity is a security and therefore is an investment that inherently carries risk and comes with high fees. For variable annuities, 3-6 percent in fees could come out of the overall account value annually versus just a 0-1 percent annual fee with a Fixed Indexed Annuity. My number one goal in writing this book is to educate American pre-retirees and retirees on the extreme value of investing in an accumulation-based annuity. In this book, you will learn how you can eliminate the advisory fees that you pay on bonds that you may currently hold within your portfolio if you have a financial advisor. We will also discuss the metric power of a strategic bond replacement, the power of zero, and the current price to earnings ratio of bonds. If at any point during the reading of this book you have questions, don't hesitate to reach out to me, Ford Stokes, your Chief Financial Advisor with Active Wealth Management at (770) 685-1777 or by sending me an email at [email protected]. I am happy to address any questions or concerns you may have about your finances and portfolio. You can also visit our website www.activewealth.com and click the "Set An Appointment" button in the upper right corner to schedule your FREE Successful Retirement consultation. If you want to follow Active Wealth Management and me on social media, you can find us on Twitter @activewealthm, on Instagram @activewealth and on Facebook by visiting www.facebook.com/ActiveWealthM/. A lot of people feel intimidated to get in touch with the author, but I promise you that I am approachable and here to answer any questions you may have. I am passionate about educating people on the best ways to invest and retire successfully. I have no problem taking your calls and emails and I look forward to talking with you.

Download or read book Annuities For Dummies written by Kerry Pechter and published by John Wiley & Sons. This book was released on 2011-02-09 with total page 373 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why look into annuities? If you’re a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies, 3rd Edition. This completely revised and updated, plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You’ll find out exactly what annuities are, whether they’re the right financial vehicle for you, and which of the many annuity options might have your name on it. You’ll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to: Identify the main types of annuities Weigh the pros and cons of annuities for yourself Minimize the complexity and cost of your annuity investment Figure out how much money to commit Avoid common annuity pitfalls Create an income you can’t outlive The time to start securing your financial future is now. Annuities For Dummies, 3rd Edition, gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.

Download or read book The Retiree s Complete Annuity Handbook written by Scot Whiskeyman and published by . This book was released on 2020-05-26 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: People retiring today face a more complex and daunting challenge than in any time in history. Life expectancies are rising, retirement accounts are exposed to investment risk, and there are a seemingly unlimited number of opinions on what do with our money. Retirement should be simple, but for many it isn't! Annuities are designed to help simplify retirement by providing lifetime income to retirees. With the rapidly changing and increasingly competitive annuity landscape, annuities continue to become more complicated, and less transparent. This book will tell you all you need to know about annuities before making a decision on whether to include one in your retirement. If you're considering, or being told to consider an annuity - don't buy it until you read this book first!

Download or read book Retirement Savings Book written by Meagan Hejny and published by Independently Published. This book was released on 2021-07-10 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you want to retire? Have no idea about the things you should do after retirement? If so, this book is for you. Through this book, you will learn exactly: - how to PROTECT your investments by using the retirement planning advice and some of the retirement planning tips featured - What An Annuity Is. - Why You Should Consider Fixed and Indexed Annuities over Variable Annuities - what a Traditional Annuity is and why it is no longer sold. - How you can identify if investing in an annuity is right for you.

Download or read book The Complete Guide to Investing in Annuities written by Matthew G. Young and published by Atlantic Publishing Company. This book was released on 2011 with total page 271 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuity investment has become an increasingly popular option for many investors each year with the market topping more than $100 billion in sales in recent years. Due to the dual nature of annuities, they can often be misunderstood and many investors looking for high return rates steer clear of them, hoping for the quick return rates that they often associate with higher risk investments. Though, as this book will show you, annuity investment done properly can be an incredibly powerful tool in helping you reach your full financial potential without taking substantial risks. In this book, you will learn exactly what annuities are and how they work. You will be shown all of the common misconceptions about annuities and how you can get past those and decide if annuity investment is right for you. You will learn the primary purpose of an annuity and how they can help diversify your retirement options. You also will learn which risks are immediately associated with annuities in regards to your retirement, including longevity, investment, and planning risks. The specific elements of an annuity are laid out in striking detail, showing you how it works, what the differences are between each major type, and what you can expect from deferring annuities and immediate annuities. The pros and cons of each type and comparisons to other investment options such as CDs, mutual funds and retirement accounts will help you decide how an annuity fits into your portfolio. Interviews with dozens of financial experts have helped us compile a comprehensive guide on everything you can imagine related to annuities. You will learn how a fixed annuity operates and what you can expect from multi-year agreements as opposed to single-year agreements or market value adjusted annuities. Index, variable, and income annuities are also described in full detail in their own chapters along with when they are the best choice and how they ideally fit into your investment strategies. You will learn how to properly structure an annuity and how to optimize your variable investments. You will be shown how to access, get out of, or convert your annuities when things change in your life and what you can expect to pay in taxes on your annuities. Finally, you will be walked through the annuity sales process, including what you should expect from your salesman and ten essential questions you must ask before you sign any paperwork. If you are considering or preparing to purchase an annuity in anticipation of your retirement, this book is a vital tool that you cannot overlook. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

Download or read book The Truth About Buying Annuities written by Steve Weisman and published by FT Press. This book was released on 2008-08-05 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuities have become one of the most popular ways to save for retirement and also one of the most misunderstood, overhyped, and dangerous investment vehicles available today. Some annuities are worth the money... but too many are flawed, overpriced, and packed with hidden fees that make them absolutely horrible investments. In The Truth About Buying Annuities, consumer finance expert Steven Weisman helps you make smart decisions about annuities and avoid the lies, misrepresentations, and ripoffs that await uninformed investors. From start to finish, Weisman delivers quick, bite-size, just-the-facts information and plain-English explanations you can actually use. You'll learn all you need to know about immediate, deferred, and variable annuities; actively-managed vs. indexed annuities; inflation-protected and tax-sheltered annuities; and more. Weisman explains the impact of annuities on taxes, Medicare, Medicaid, long-term care, and your other retirement plans. He presents crucial, hard-to-find information about death benefits, joint and survivor annuities, alternatives to annuities, assessing annuity risk, avoiding scams, and even how to escape from a bad annuity you've already purchased. Unlike some books on annuities, this one's simple to read, simple to use, up-to-date, and complete: it's the only annuity guide you need!

Download or read book Pros and Cons of Index Annuities written by Lindahl Lucas and published by . This book was released on 2016-05-11 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement books like the Pros and Cons of Annuities may seem like they are few and far between BUT the simple fact is, what Lindahl Lucas shares in his retirement book is the cold hard truth about RISK and how it has no place in your Retirement Investments. Your Retirement Planning & Retirement Strategies MUST protect your retirement savings from catastrophic loss, prevent losing money in the stock market or by inflation erosion on your retirement nest egg. 401k books and Retirement Savings time bomb or other retirement books cannot show you the intricacies and the nuances associated with purchasing an annuity the way Lindahl Lucas has done in this book "The Pros and Cons of Index Annuities." Learn exactly how to PROTECT your investments by using the retirement planning advice and some of the retirement planning tips featured in this Retirement Savings time bomb in retirement savings books... Looking for Retirement Gifts In Books? This is the perfect gift for a baby boomer looking to learn more about protecting their long-term legacy of money and living the good life in retirement.Purchase your copy of The Pros and Cons of Index Annuities. Buy It Now!The Pros and Cons of Index Annuities isn't your retirement planning for dummies book, it is really for someone that enjoys the finer tastes and the knowledge from a reputable expert that can help you succeed, no matter what age, if you follow the process to using his systems, when an annuity and investing in an annuity is right for you.Stop investing in stocks... Stop investing in gold and silver... Have the right amount of diversification by protecting 30-50% of your assets in an annuity. Finding out the Pros and Cons of annuities will let you know if investing in an annuity is right for you, which one would best suit your needs, and how you can begin the discovery process with Mr. Lindahl Lucas and his team of Retirement Advisers at Lucas Insurance Services. Keep in mind, investing in real estate has no guarantee, but investing in an annuity or a fixed index annuity allows your money to grow and you can guarantee yourself and your spouse a pension from your account for as long as you both shall live, regardless of who passes on first. And, after you both pass the remaining money left in the account will be passed on to the beneficiary which makes learning the pros and cons of index annuities such a wonderful Retirement Gift In Books!Investing in annuities for dummies is half the price... Do you really want to buy an investing book for dummies? I would think if you are reading this that you want to buy a book that can explain all the questions that I myself wanted answered, which is how I arrived at a detailed explanation of the pros and cons of annuities, and more specifically index annuities.Index annuities and fixed index annuities are great retirement investment vehicles and this is a great retirement investment book. Whether you need retirement gifts for men or retirement gifts for women, if you love them and they love to read great quality information that can protect their money in retirement, then The Pros and Cons of Annuities is really a great choice for you to Buy Now! Buy it Now on Amazon! - ADD TO CARTThe wealth management resource chart and pros and cons of annuities worksheet will assist you in financial planning and learning the wealth secrets of the one percent... It is an annuity.Now you have the opportunity to take action and learn the pros and cons of annuities from Lindahl Lucas, Retirement Planning Specialist and the author of "The Pros and Cons of Index Annuities."Learn more at: http://www.ProsandConsofAnnuities.comIn this retirement planning book you will learn:What An Annuity Is. Why You Should Consider Fixed and Indexed Annuities over Variable Annuities, what a Traditional Annuity is and why it is no longer sold. How you can identify if investing in an annuity is right for you.

Download or read book Don t Die Broke written by David Reindel and published by Agate Publishing. This book was released on 2009-03-01 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: Massive numbers of 50-plus baby boomers will be retiring in the next few years. How will they finance that retirement? This practical guide presents an often overlooked but commonsense solution. Expert David Reindel argues persuasively for the preservation of assets, rather than a risk-prone obsession with the accumulation of them. Crucial to this process, he explains, is the humble annuity. Why have these time-honored investment tools generated so much negative attention in recent years? Don’t Die Broke details the financial industry’s misrepresentations of the annuity, and how — set up and managed correctly — it can offer the most reliable income source for boomers in this era of economic uncertainty. This book is both a clear-minded analysis of the forces that have led us to the present calamity and a reassuring roadmap to a more secure future.

Download or read book How To Not Get Ripped Off when Buying an Annuity written by Alessandra Derniat and published by Createspace Independent Publishing Platform. This book was released on 2015-02-21 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: An annuity is a financial product often used by people saving for their retirement or for creating an income stream during their retirement. But do you know enough about annuities to feel good about selecting the right one for your retirement? How do you know the one recommended to you is the right one for you? How to NOT Get Ripped Off when Purchasing an Annuity shows you in 4 clear and concise steps how to quickly and easily understand and evaluate any annuity you may come across. Written in language that even someone new to finances would find easy to understand, this book, written by the nation's premier consumer advocate in the financial services arena, is the ultimate annuity consumer guide. You Will Learn: 1) What an annuity is, why you might want one, and why you might not want one. 2) The 4 critical things you absolutely need to know about an annuity to knowledgeably compare it to any other annuity. 3) How to cut through all the sales jive and jargon and know when an annuity sales adviser should be shown the door and when to do business with one. 4) How to protect yourself, even from your own "trusted" adviser. 5) The easy, 4 step process that puts you in control of the annuity buying experience. You owe it to yourself to read this book if you are considering purchasing an annuity or if you simply want to learn more about them. It will give you valuable tools you can use to protect yourself financially.

Download or read book Annuities and Retirement Income Planning written by Patrick J. Collins and published by CFA Institute Research Foundation. This book was released on 2016-03-16 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuitization is one asset management strategy for retirees seeking to secure lifetime income. The US annuity marketplace offers a variety of annuity contracts, including single premium annuities, advanced life deferred annuities, variable annuities with lifetime income guarantee riders, and ruin contingent deferred annuities. Advisers seeking to provide guidance to clients in or near retirement can benefit by understanding (1) the arguments both for and against annuitization and (2) how a client’s interests might be best represented in the marketplace. Important annuity contract provisions are highlighted and briefly discussed so the adviser can become more familiar with retirement-planning options.

Download or read book Truth About Buying Annuities written by Steve Weisman and published by . This book was released on 2008 with total page 201 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Variable Annuities written by U S Securities and Exchange Commission and published by CreateSpace. This book was released on 2015-04-10 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics- and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for you. This is a in-depth description of variable annuities-what they are, how they work, and the charges you will pay. Before buying any variable annuity, however, you should find out about the particular annuity you are considering. Request a prospectus from the insurance company or from your financial professional, and read it carefully. The prospectus contains important information about the annuity contract, including fees and charges, investment options, death benefits, and annuity payout options. You should compare the benefits and costs of the annuity to other variable annuities and to other types of investments, such as mutual funds.

Download or read book A Brief Overview of Annuities written by Kirk G. Meyer and published by . This book was released on 2020-07-12 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you thinking of your retirement? Do you worry about outliving your retirement funds? If so, then an annuity may be the right choice for you to consider. These are extremely complex financial instruments that are between the annuitant (you) and a life insurance company. Since these are generally for someone's retirement, they are considered tax-deferred until payments begin. All annuities have several components to them and riders that make them unique, and in some instances, expensive. Someone must understand the annuity they are purchasing before actually purchasing it from an insurance agent, financial planner, or directly from the life insurance company. As alluded to, annuities are indeed extremely complex financial contracts requiring someone to know the basic differences between a fixed income annuity, an immediate annuity, and a variable annuity. While these are not all of the annuities available, they are some of the more common ones purchased. While this book does not cover all of the types of annuities available, it does provide someone with a high-level overview of the basics needed to make an informed decision on an annuity and if it is the right choice for them or their retirement plans. Get A Brief Overview of Annuities today and be in more of a position to make an informed decision on an annuity purchase.

Download or read book Retirement Planning Tips written by Solomon Schwend and published by . This book was released on 2021-07-10 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you want to retire? Have no idea about the things you should do after retirement? If so, this book is for you. Through this book, you will learn exactly: - how to PROTECT your investments by using the retirement planning advice and some of the retirement planning tips featured - What An Annuity Is. - Why You Should Consider Fixed and Indexed Annuities over Variable Annuities - what a Traditional Annuity is and why it is no longer sold. - How you can identify if investing in an annuity is right for you.

Download or read book Annuities written by and published by . This book was released on 2006 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past several years, there has been a significant increase in annuity sales to consumers, in particular senior citizens. There continues to be confusion about annuities and some questionable sales practices. This brochure provides important information that will help you if you are considering purchasing an annuity.

Download or read book The Annuity Handbook written by Darlene K. Chandler and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Annuity Handbook, 4th Edition has been updated with the latest available information on nonqualified annuities to provide a comprehensive look at the most current information on the markets, compliance issues, taxation, and uses of annuities. What's NEW in the 4th Edition: Product Features: Market value adjustments Guaranteed minimum interest rate index Discussion of owner-driven contracts vs. annuitant contracts Bonus annuities Guaranteed death beneftis in variable annuities Uses of Annuities: Trust ownership of annuities Use of annuity payouts and settlement options for retirement income distribution planning Split annuity sales idea Annuities owned by Medicaid applicants/recipients Expanded discussion of annuities and retirement planning to include retirement income distribution considerations Compliance: New suitability requirements for fixed annuities sold to seniors

Download or read book Why Variable Annuities Don t Work the Way You Think written by Jeffrey Voudrie and published by . This book was released on 2012-02-22 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuity salespeople certainly know how to deliver a persuasive sales pitch. But this report is designed to give you the other side of the variable annuity story. Our viewpoint is unique and quite frankly, goes against the industry grain. Granted, many respected advisors firmly believe that variable annuities are good for consumers. But our opinion is quite different. In the end, only you can decide what is best for your situation. But if you don't know all the facts, how can you make an informed decision?I'm going to give you facts you can't readily find anywhere else, certainly not from the advisors that sell variable annuities. Once you've read this book, you will no longer be an easy mark for commission-hungry advisors. And you will discover better ways to invest that will put you in control of your financial future and get you ahead of the game in the long haul.Let me tell you right up-front that this book is biased.I am not trying to present a balanced discussion of the advantages and disadvantages of variable annuities. My purpose in this book is to provide a contra-argument to the presentations you've likely already heard for these products by the financial services industry.I'll be frank. I'm not going to pull my punches. IF you choose to buy a variable annuity you should do so knowing all of the facts and, more importantly, the implications of those facts. I do not like variable annuities and have not recommended them to a client for years.In this book, I will go into great detail explaining:1. What is a Variable Annuity2. How You Think They Work, How They Really Work3. Hidden Costs, Hidden Dangers4. Alternatives and Better ChoicesFrom start to finish, you should be able to digest the following information in an hour or less. Congratulations on taking the first step to protecting your retirement lifestyle: research and education. Contrary to what some other advisors might believe, an informed investor is in the best interest of everyone.Jeffrey D. Voudrie, CFP (r)P.S. One of the most highly touted benefits of variable annuities these days is the Living Benefit Rider that guarantees a lifetime income stream. These are often accompanied by a provision that most investors believe guarantees they will earn at least 6% or 7%. If you have been pitched a variable annuity and are particularly attracted to it because of this benefit then you can skip straight to my discussion of it on page 8. You'll quickly learn that the way you think it works may be considerably different from the way it actually does.