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Articles

Annuity Information and Articles

>>How safe are Annuities?

There is a constant stream of annuity information generated in the major news and media outlets. You can find some references on this page and links to articles that can help you research annuities and gather the information to make informed decisions.

Safety of money is generally relative to comparing levels of risk between Government backed, insurance backed or individual investment risk. In regard to non-variable fixed annuities:

State Regulation forces insurance companies to follow what is known as Statutory Accounting  read more…

>>THE NEW LIVING BENEFITS IN FIXED AND VARIABLE ANNUITIES These popular annuities now have even more to offer.

GMIBs, GMWBs, GMABs, GLWBs  What do these acronyms mean? If you own a fixed or variable annuity# or think you might want to own one, they stand for a new class of living benefits  read more…

>>NEW TAX PERKS FOR NON-QUALIFIED ANNUITY OWNERS You can thank the Pension Protection Act.

On January 1, 2010, owners of certain non-qualified annuities were allowed some new tax benefits  read more…

>>FIXED INDEX ANNUITIES PERFORMANCE Surprises Critics! These conservative investments have become a popular alternativee to bonds

Fixed index annuities can be a very useful retirement strategy  read more…

>>Beware of Equity or Fixed Index Annuities! Oh Really…

You may have seen the Dateline: NBC show back in April of 2008 about insurance agents selling equity index annuities (EIA), which are not equities at all. In fact, they are actually just a fixed annuity with an index interest crediting option (FIA). EIAs/FIAs have been criticized and attacked  read more…

>>401K, 457 & 403B to IRA ANNUITY ROLLOVERS RULES CHANGE for IN-SERVICE 401(k) ROLLOVERS 401k, 457 & 403B to Roth rollovers are now possible before age 59½.

A new possibility. Sometimes employees want to pull money out of a 401(k) before they retire read more…

>>ARE FIXED AND VARIABLE ANNUITIES INCLUDED IN ESTATE TAXES? WHAT’S GOING ON WITH THE ESTATE TAX ANYWAY ???

Good questions! Yes, annuities both fixed and variable are included in estate-taxed assets, and Congress has elected to keep us in suspense  read more…

>>Can Annuities Help? THE TWO BIGGEST retirement misconceptions! Find out how to pick the right annuity...

While the idea of retirement has changed, certain financial assumptions haven’t.

We’ve all heard about the “new retirement”, the mix of work and play that many of us assume  read more…

>>CHARITABLE REMAINDER TRUSTS… May utilize annuities and life insurance to kill several birds with one stone!

In planning for your retirement, you may face several financial issues. Maybe you’d like to generate retirement income, but don’t want to pay capital gains tax on investments  read more…

>>THE DECADE IN REVIEW A look at stocks, variable annuities#, fixed index annuities, commodities and memories (good and bad)

A turbulent ten years! The 2000s gave us remarkable opportunity and remarkable volatility. They tested our patience, and many investment strategies. They taught us to hold on, hang in there and  read more…
 

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  ** Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. Annuities are not FDIC insured and it is possible to lose money.
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During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.


  *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients.
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  # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.


  ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.


  ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated.


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