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  • High Annuity Fees & High Annuity Commissions – Hear the Inside Truth

    High Annuity Fees & High Annuity Commissions – Hear the Inside Truth

    We’ll just give it to you straight – some annuities pay high commissions and some of them have high annuity …Read More »
  • Annuities – Liquid or Not?

    Annuities – Liquid or Not?

    As advisors who specialize in retirement planning one of the first questions we discuss with clients surrounds the subject of  liquidity. …Read More »
  • Tax Saving Income Tips

    Tax Saving Income Tips

    As we approach an almost insurmountable debt load likely increases in tax is may be inevitable, we thought it may …Read More »

Revealing Fun Video: Fiduciary Advisors Vs. Annuity Salesmen
MUST KNOW FACTS 90% of
ANNUITY ADVISORS AVOID TELLING!
  • *FIDUCIARY RETIREMENT REVIEWS
    Second Opinions Improve Retirements
     
    "For Your Retirement's Success"
     Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Material Fact 1:
      About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients!
     
    Material Fact 2:
     Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients! 
     
      Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.
     
     We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.
     
     The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!
     
       Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.
     
    Choosing your advisor can have
    "The Largest Single Impact on
    Your Retirement's Success or Failure"



  • Annuity Timing – Jump in or Wait?

    Annuity Timing – Jump in or Wait?

    Annuity Guys®, Dick and Eric examine the question on the mind of many people when comes to selecting an annuity …Read More »
  • Stocks, Bonds and Annuities – How Much in Each?

    Stocks, Bonds and Annuities – How Much in Each?

    Remember making decisions this way, growing up, eeny, meeny, miny, moe, this may have been a helpful rhyme for making …Read More »
  • Never Place an IRA in an Annuity? Wrong!

    Never Place an IRA in an Annuity? Wrong!

    One question that seems to come up on a regular basis is “should I use my IRA/401k dollars to purchase …Read More »
  • Annuities – Liquid or Not?

    Annuities – Liquid or Not?

    As advisors who specialize in retirement planning one of the first questions we discuss with clients surrounds the subject of  liquidity. …Read More »
  • 100% Money Back Annuity **Guarantees!

    100% Money Back Annuity **Guarantees!

    Most big ticket purchase come with a warranty or a **guarantee – including annuities. Did you know that all annuities …Read More »
  • OutCome Based Planning™ for Retirement

    OutCome Based Planning™ for Retirement

    We practice and recommend a “Holistic – OutCome Based Planning™ process when considering annuities.” This approach has the effect of …Read More »
  • Choosing Annuity Potential or Income **Guarantees

    Choosing Annuity Potential or Income **Guarantees

    Have you ever heard the quip “It can be hard to remember that the objective was to drain the swamp …Read More »
  • Can Annuities Reduce the Cost of Retirement?

    Can Annuities Reduce the Cost of Retirement?

    Would you rather get something on sale or pay the full retail price? Silly question, right? Nobody wants to pay more …Read More »

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  • Are Annuity **Guarantees on Their Way Down?

    Are Annuity **Guarantees on Their Way Down?

    “It was the best of times, it was the worst of times.” Dickens often quoted opening to the Tale of …Read More »
  • Why are Annuities an Excellent Alternative Asset Class?

    Why are Annuities an Excellent Alternative Asset Class?

    What goes up but does not come down? No, this is not the start of some riddle to be answered …Read More »
  • Is Your Advisor One Annuity Away From a Free Trip to Paris

    Is Your Advisor One Annuity Away From a Free Trip to Paris

    The best annuity… is it the one that is best for you to own or the best annuity for the …Read More »
  • Who Should Choose Annuities?

    Who Should Choose Annuities?

    What type of individual chooses to purchase an annuity? Is there a stereotypical annuity enthusiast? Maybe not – however, we …Read More »
  • Hybrid Annuity Sales Hit All Time Highs! Do You Know Why?

    Hybrid Annuity Sales Hit All Time Highs! Do You Know Why?

    Record numbers of retirees and savers are flocking to fixed and fixed index annuities – why? For many baby boomers , …Read More »
  • Annuity Timing – Jump in or Wait?

    Annuity Timing – Jump in or Wait?

    Annuity Guys®, Dick and Eric examine the question on the mind of many people when comes to selecting an annuity …Read More »
  • Annuity Income Riders

    Annuity Income Riders

    What makes a newer hybrid style income annuity different from the industry standard, immediate income annuity? It’s the income rider! …Read More »
  • Annuities – The Best Financial Product No One Wants!

    Annuities – The Best Financial Product No One Wants!

    Why would an insurance actuary call annuities the best financial product no one really wants? And why would he go …Read More »
Get Newly Released Annuity Guys® Videos on Saturday Mornings
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    Our Entertaining & Informative
     Saturday Morning Video Blog
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  • Are Set It & Forget It Retirements Practical?

    Are Set It & Forget It Retirements Practical?

    Have you ever put a pizza in the oven only to discover you forgot the timer and your meal is …Read More »
  • Reduce Your Concern of Outliving Retirement Dollars!

    Reduce Your Concern of Outliving Retirement Dollars!

    Have you ever made a trip to the grocery store where you picked up a few items, walked up to …Read More »
  • Are Annuity **Guarantees on Their Way Down?

    Are Annuity **Guarantees on Their Way Down?

    “It was the best of times, it was the worst of times.” Dickens often quoted opening to the Tale of …Read More »
  • Study Finds Near Retirees Get Crushed! Can Annuities Help?

    Study Finds Near Retirees Get Crushed! Can Annuities Help?

    A recent headline from the Yahoo Daily Ticker caught our attention – American Incomes Are Falling And Near-Retirees Are Getting …Read More »
  • How are Annuities Affected by the New 2015 Rollover Rules?

    How are Annuities Affected by the New 2015 Rollover Rules?

    The Internal Revenue Service is changing the IRA rollover rules this year – if you don’t know about this change …Read More »
  • Social Security and Income Planning

    Social Security and Income Planning

    We’re the Annuity Guys®!  So, why would we be video blogging like a couple of government bureaucrats about Social Security? What …Read More »
  • Top Five Reasons, Not to Buy an Annuity!

    Top Five Reasons, Not to Buy an Annuity!

    Let’s be honest, there are plenty of reason why someone should not buy an annuity. As Annuity Guys, we understand …Read More »
  • Relying on Annuities for Retirement Pensions

    Relying on Annuities for Retirement Pensions

    The private sector has been bailing on providing pensions for employees over the last few decades. Now, it appears legislation to …Read More »
  • Millions of Pensions Dumped – Can Annuities Fill the Gap?

    Millions of Pensions Dumped – Can Annuities Fill the Gap?

    Every time you turn on the news it seems we are bombarded with information on pension reform or the scaling back …Read More »
  • How Do MarketFree™ Annuities Work?

    As you consider your overall strategy for retirement planning, one financial product to consider is a MarketFree® annuity. There are many …Read More »
 

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Comprehensive Site Terms and Disclosure | Privacy Policy | Copyright © 2025 Annuity Guys®


  ** 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.
Annuities are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
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.
Annuity Guys' vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)



  # 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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