Download or read book John Olsen s Guide to Annuities for the Consumer written by John Olsen and published by . This book was released on 2017-05-26 with total page 129 pages. Available in PDF, EPUB and Kindle. Book excerpt: A plain-English, no-bull guide to annuities - how they work, when they make sense, when they don't - from a nationally-recognized annuity expert.
Download or read book John Olsen s Guide to Annuities for the Consumer written by John L Olsen and published by . This book was released on 2020-09-20 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: A no-nonsense, objective guide to how and when annuities work or don't work.
Download or read book John Olsen s Guide to Annuities for the Consumer written by John Olsen and published by . This book was released on 2020-03-14 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: 4th Edition (2020) A fully revised and expanded edition of Olsen's popular guide to annuities. This version includes a new section on the impact of the new SECURE Act on existing and new qualified annuities.
Download or read book John Olsen s Guide to Annuities for the Consumer written by John Olsen, CLU, ChFC, AEP and published by . This book was released on 2019-02-09 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: A newly-revised and expanded edition of Olsen's highly-respected guide to these often confusing products. It is neither "for" nor "against" annuities, but is an objective and balanced explanation of how they work and when they may - or may not be - suitable.
Download or read book The Advisor s Guide to Annuities written by JOHN L. OLSEN and published by . This book was released on 2017-06-09 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written in plain English, the latest updated, revised, and expanded edition of The Advisor's Guide to Annuities covers both the technical details of how various types of annuities operate, as well as the broader questions about how and when they should be used in clients' financial plans. No other resource provides such a deep and independent-minded look at the structure, costs, benefits, and risks that come with all types of annuities. This comprehensive, single-volume guide supplies: - Clear and concise descriptions of every type of annuity - In-depth discussions of the direct and secondary issues surrounding the use of annuities, including income and estate tax consequences as well as concerns for annuity owners and beneficiaries - Detailed explanations of annuity-specific terminology, which empowers advisors and clients to understand exactly how an annuity will function and enables comparison of similar products from different companies - Sound advice from industry-leading authors which helps advisors avoid common mistakes and ensures that the choices offered are truly in the best interests of clients Highlights of the 5th Edition: - Detailed discussion of qualified vs. nonqualified annuities - Exploration of planning opportunities presented by Deferred Income Annuities (DIAs) or "longevity annuities" and QLACs - In-depth discussion about the impact of the DOL Fiduciary Rule on advisors and consumers - Advice and analysis of the impact of partial withdrawals - Updated tax info, including info on QLACs - New material on "managed volatility" indices used in indexed annuities - New ways to use variable annuities as an investment vehicle, including new "fee only" variable annuities that can be sold under the Fiduciary Rule. Written by two of the foremost experts in this field, The Advisor's Guide to Annuities, 5th Edition, is designed specifically to help you make the most of all the opportunities--and avoid complications--in this active and ever-changing area.
Download or read book Equity Indexed Annuities written by Jay Adkisson JD and published by iUniverse. This book was released on 2006-08 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Few individuals have done more to educate the American public about financial scams than Jay Adkisson. As the creator of Quatloos.com, Jay has helped many thousands of people worldwide avoid being scammed out of many millions of dollars to various investment schemes. The U.S. Senate Finance Committee has twice called Jay as an expert witness on abusive tax schemes. As one of the authors of Asset Protection: Concepts and Strategies (McGraw-Hill 2004), Jay has similarly helped thousands of people avoid dubious asset protection schemes. In his latest book, Equity-Indexed Annuities: The Smart Consumer's Guide, Jay gives a balanced and objective overview of this advanced form of fixed annuity to better educate consumers of the advantages, disadvantages, and the numerous product options that are available when considering the purchase of this popular retirement vehicle. This short guide covers all the most important issues that consumers should address before purchasing an equity-indexed annuity, including: How the minimum interest rate is paid, how the maximum return is linked to the stock index, and how participation rates and caps may limit returns. How surrender charges may limit withdrawal rights for a period of years after the annuity is purchased, and why the annuity should not be purchased if the consumer will need the cash during this period. How the annuity payments may be made, and what can happen upon the death of the annuitant. How annuities benefit from tax-deferral, how taxes are paid upon withdrawal or when annuity payments are made, and tax considerations upon the death of the annuitant. How the annuity and annuity payments may be protected from creditors in some states, and how in other states they may be protected by proper planning done in advance of claims. This guide should also give consumers the ability to intelligently answer the most fundamental question: Is an equity-indexed annuity right for me
Download or read book The Advisor s Guide to Annuities 6th Edition written by John L. Olsen and published by . This book was released on 2022-05-13 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Focuses on client needs and client interactions Provides in-depth explanations of different types of annuities as well as annuity-based vocabulary Offers helpful review questions at the end of each chapter to reinforce information learned Provides information about the SECURE Act and how it affects annuity beneficiaries New in the 6th Edition: Shift in overall focus, starting with client needs and describing the related annuities products that meet those needs. New Chapter 20 covering important recent annuity-related regulations from the NAIC, SEC, Federal Dept. of Labor, and the annuity-related provisions of the Federal SECURE Act. These regulations prescribe practices that advisors must follow. New Chapter 18 entitled "What's the Best Kind of Annuity for My Client?", providing clear guidance for determining suitability of annuity types. New Chapter 21 covering practicing defensively in "The Advisor as Defendant," written by an experienced expert witness in annuity-related litigation. Includes specific guidance on formulating policies and procedures to lessen an advisor's vulnerability to predatory lawsuits. Expanded Chapter 5 on Index Annuities, including detailed analysis of the moving parts of these contracts. Expanded Chapter 9 on guaranteed living benefits, including an expanded discussion of living benefit riders. Enhanced study aids, including chapter summaries review questions for each chapter. Topics Covered: Immediate vs deferred annuities Fixed vs variable annuities Debunking common myths about annuities Statutory, class, and individual exemptions Taft-Hartley plans (Multiemployer Plans) And More! See the "Table of Contents" section for a full list of topics
Download or read book A Consumer Guide to Annuities written by Maryland. Insurance Administration and published by . This book was released on 2009 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Advisor s Guide to Annuities 4th Edition written by John L. Olsen and published by . This book was released on 2014-05-24 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Advisor's Guide to Annuities provides objective, impartial guidance on what annuities can and cannot do, their costs, and what risk-management features annuities offer. All delivered in easy-to-read language.
Download or read book A Consumer s Guide to Annuities written by Pennsylvania. Insurance Department and published by . This book was released on 1999 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retirement Planning Guidebook written by Wade Pfau and published by Retirement Researcher Media. This book was released on 2023-03-15 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt: *This is the Revised 2024 Book Edition* The Retirement Planning Guidebook helps you navigate through the important decisions to prepare for your best retirement. You will have the detailed knowledge and understanding to make smart retirement decisions: - Understand your personal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path. - Learn about investment and insurance tools that may best resonate with your personal style. - Determine if you are financially prepared for retirement by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets. - Make smart decisions for when to start Social Security benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security over your lifetime. - Develop a plan for making the best initial and ongoing choices from the alphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility. - Assess where you wish to live in retirement and whether there are helpful ways to incorporate housing wealth into your retirement strategy. - Decide how to manage your long-term care risk between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible. - Understand how to manage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets. - Get your finances organized and understand how to get your estate and incapacity planning documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives. - Identify whether there is a role for trusts in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes. - Prepare for the non-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle. Retirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, RMDs, QCDs, aging in place, cognitive decline, and so much more. The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able to do something great!
Download or read book Building Your Future with Annuities written by Fidelity Investments and published by . This book was released on 1992 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Consumer s Guide to Annuities written by and published by . This book was released on 2003 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt: This guide is made available to help residents of North Carolina better understand annuities. For purposes of this guide, an annuity is an insurance contract that requires an insurance company to make specified payments to you at regular intervals for a specified period of time. There are many different types of annuity contracts and a variety of annuity options available to help solve various financial problems and needs.
Download or read book A Consumer Guide for Annuity Products in New York written by and published by . This book was released on 2011 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annuities written by and published by . This book was released on 2020 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: This guide describes the different kinds of annuities and offers tips and suggested questions to ask before purchasing one.
Download or read book A Consumer s Guide to Annuities from Your North Carolina Department of Insurance written by and published by . This book was released on 2005 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: The North Carolina Department of Insurance makes this guide available to help North Carolina residents better understand annuities, and make smart decisions when shopping for annuities.
Download or read book Annuities 101 written by The Independent Excellence Group and published by . This book was released on 2020-02 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn about the ins and outs of the various types of annuities in today's financial marketplace
