Have you ever put a pizza in the oven only to discover you forgot the timer and your meal is burnt to a crisp? Wouldn’t it be nice to just throw it in the oven and know it will be just the way you like it without further attention to perfect timing? With pizza, maybe not. However, with retirement, proper planning with annuities allows you to set it and forget it! If you put the right…[continued below video]
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. During this segment, Dick and Eric are referring to Fixed Annuities unless otherwise specified.
[continued] …annuities in your retirement plan, you can have a safe and reliable strategy that will help you enjoy your retirement years on auto-pilot – instead of constantly monitoring your portfolio to hopefully avoid a financial meltdown of the stock market that could be considerably worse than burnt pizza!
Why MarketFree® annuities? Definitely, because most retirees based on our field observations want to reduce or eliminate stock market risk to their principal and have **guarantees that create a secure income stream which cannot be outlived. Hence, MarketFree® annuities do offer principal protection against stock market risk that most retirees are seeking and they can provide reasonable cash growth including income **guarantees prior to and throughout retirement.
A retirement plan that addresses your core income needs with **guaranteed sources of income for life, safe reasonable growth, low or no fees, and with access to principal has made MarketFree® annuities one of America’s most fastest growing financial products especially when it comes to specific types of annuities.
Here is a article from Forbes if you are interested in reading more on this topic…
A friend recently told me he’s planning to retire but is worried about his financial ability to do so. When he described his situation, I told him it seemed to me he didn’t have anything to worry about. But, still he’s worried. As luck would have it, I heard a finance professor lecture on retirement income planning the following day. He suggested a strategy that might just help put my friend’s mind at ease. I then also read an article in the Harvard Business Review by Nobel laureate economist Robert Merton touting the same idea. It’s not a cure-all, a panacea or magical solution. As a financial whiz-kid once reminded me, “No financial product has a ‘secret sauce’.” The concept: use annuities as a key element in your retirement income strategy.
My friend’s situation: A debt-free widower in his late 50s, Dave will be retiring from his firm at age 60. He’ll receive a five year buy-out of his stock at retirement, has a sizeable 401(k) and has built up a comfortable nest egg of savings. The problem — he’s so used to making a healthy income from working all these years that he’s uncomfortable with the idea of spending down his assets to pay for his retirement. Dave’s problem is not that he has a tangible lack of wealth, but that he has the intangible fear of outliving his assets.The reason the finance professor’s lecture hit home for me is he focused on the idea that people are far more comfortable with a retirement strategy of spending their income than spending their assets. To make his point, he referenced the problems with the “4 ½ Percent Rule” that some planners use as a retirement income approach. This rule of thumb suggests that a couple can annually withdraw 4.5% of their retirement capital, adjusting the withdrawal rate upward each year for inflation, with little fear of outliving their income. The professor pointed out that for some retirees this approach raises the fear, “What happens if I don’t make enough on my portfolio to justify this income; will I outlive my assets?” For others, it engenders the opposite emotion: “What if my assets do better than this; will I have been too conservative, and robbed myself of a happy retirement while leaving more than I intended to my kids?”
An annuity strategy addresses both of these fears. The Strategy… [Read more a Forbes]
Using OutCome Based Planning™ for Your Retirement
"The Annuity Guys will never call you unless you request our assistance". When you are ready for specialized help we will be available to assist you.. We practice and recommend a "Holistic - OutCome Based Planning™ process when considering annuities." This approach has the effect of balancing your overall portfolio with annuities so you can meet your retirement objectives by "first identifying the least amount of your investments or savings that should be considered for annuities." OutCome Based Planning™ analyzes and models multiple outcomes so you can clearly identify your best income and growth opportunities.
"Working with an Experienced Fiduciary Financial Planner can help you Avoid a Trial & Error or Risk Based Retirement"
This type of approach does take considerably more time, effort and analysis which will show you mathematically the successful possibilities by comparing various outcomes rather than trying to sell or convince you of that "so-called one best solution." Clients frequently tell us that this process removes some of the confusion and emotion to help them objectively identify a better retirement plan; rather than just ending up with the most convincing salesperson or advisor.
When requesting help you can be assured of working with an experienced Annuity Guys' Retirement Planner who is an independent, licensed insurance agent and (also a securities licensed fiduciary financial planner) who has access to many different companies and annuities in helping you choose the best annuities using a holistic-outcome based planning approach. We consider the high quality advisor recommendations we make to our website visitors as a direct reflection back on us.
Based on survey feedback on advisors from our website visitors, we eliminated about two-hundred local advisors and now only recommend a few that we consider experienced vetted Annuity Guys' Fiduciary Advisors. Many local advisors continue requesting us to recommend them as an Annuity Guy's vetted advisor. However, our reputation and future business is driven only by satisfied website visitors. So, unfortunately we've had to tell the vast majority of local advisors no, since we changed our business model four years ago. At that time we stopped trying to satisfy everyone with local advisors, we now primarily work with individuals who are comfortable using today's internet technology to their fullest advantage by working with a select group of vetted, experienced and knowledgeable Annuity Guys' Fiduciary Planners.