Annuity Guys®

Annuity Ratings, are they Believable?
U.S. to sue S&P over Ratings – that was this years’ February 5th headline in the Wall Street Journal. If the federal government …Read More »
How do you Choose the Best in Class Annuity?
The latest issue of Barron’s proclaims to know and list the Top 50 Annuities. Being the Annuity Guys® that we are, …Read More »
Market Volatility is Back! Are MarketFree™ Annuities an Answer?
Timing is everything. Unfortunately, 99 percent people who say they are only in the stock market when it is going up …Read More »

Revealing Fun Video: Fiduciary Advisors Vs. Annuity Salesmen

MUST KNOW FACTS 90% of
ANNUITY ADVISORS AVOID TELLING!

What do index annuities, mutual funds and ETFs have in common?
Fixed index annuities, mutual funds^, and exchange traded funds (ETFs) could not possibly have very many things in common or …Read More »
Why You Should Ladder Annuities…
When your financial advisor starts to talk to you about laddering, realize that they are talking to you about using …Read More »
Do I need an annuity with or without a pension?
If you are asking this question rest assured you are in good company. Today’s retirement landscape is the result of …Read More »
Trust the stock market or hedge with annuities?
Are you aware that the greatest number of consecutive days the Dow has ended with a gain is only 13? Since 1950 …Read More »
Are Fixed Index Annuities Best for Retirees?
“Sometimes you eat the bear; sometimes the bear eats you.” – Anonymous How would you like to make a portion …Read More »
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 »
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 »
The China Affect on Annuities…
There has been no shortage of China headlines as their economy faces major headwinds. It would be naive to think …Read More »

1035 Exchange – Replacing an Annuity
Keeping the taxman at bay may seem next to impossible these days, however with annuities the IRS/Congress blessed us with …Read More »
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 »
Should You Choose a Variable Annuity?
Occasionally, we get requests from our site visitors and viewers to help them review a particular annuity – like that from …Read More »
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 »
Are Annuity Fees, Surrender Costs, & Commissions too High?
I would wager that everyone has used the phrase “You get what you pay for” in describing a less than desirable …Read More »
Understanding Immediate Annuities
Today, people are living longer than ever before. While the idea of living a longer (and hopefully healthier) life is …Read More »
Choosing a Hybrid Annuity
Why are so many folks choosing hybrid annuities for their retirement? Let’s summarize the four key elements most retirees are looking for that …Read More »
Is an Old Variable Annuity Better than a New Hybrid?
“Don’t buy an annuity! The **guarantees they offer are often unnecessary and costly.” – has turned into “that annuity sure …Read More »

28 Risks Retirees Face – Part 1
What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …Read More »
Market Volatility is Back! Are MarketFree™ Annuities an Answer?
Timing is everything. Unfortunately, 99 percent people who say they are only in the stock market when it is going up …Read More »
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 »
Annuity Surrender Charges<br>Top Ten Questions & Answers
Since David Lettermen retired several years ago, we decided it’s time to honor his place in history, with an annuity …Read More »
Turning Your 401k into Retirement Income
“If you fail to plan, you are planning to fail!” While Benjamin Franklin was probably not referring to what he …Read More »
An Annuity for Valentine’s Day?
There are plenty of jokes about giving a gift that keeps on giving; but seriously, an annuity is a gift …Read More »
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 »
Top Five Reasons Not to Buy an Annuity
What are the top five reasons not to allocate funds to an annuity? Based on many years of experience and an informal office survey the top five reason …Read More »
Five Common Annuity Regrets to Avoid
Most of us have a few regrets in life… but seriously – annuity regrets??? Perhaps we have gone too far …Read More »
Government Shutdowns Affect Annuities
Can you feel the impending doom of the government shutdown? Every night, it seems that the media cannot wait to …Read More »