Annuities

Financial professionals often must navigate delicate personal issues and family matters when advising clients on retirement strategies and none can be trickier than the dynamic that is created when retired or elderly parents need financial help from their grown children. The relationship between family members in this situation is fraught with potential awkwardness, feelings of … Read more

In most instances, the needs of the ultra high net worth client simply cannot be met through the use of the traditional retirement planning vehicles and strategies that are useful to even the moderately wealthy client. The traditional tax-preferred planning vehicles can create undesirable limits for these ultra wealthy clients, who have more cash to spare … Read more

A recent study by LIMRA Secure Retirement Institute has revealed another reason to consider annuities in retirement planning — they provide a boost of confidence. When asked about their confidence in living a desired retirement lifestyle, 47 percent of retirees and pre-retirees who own annuities said annuity ownership contributed to their feeling of confidence.    LIMRA Secure Retirement Institute … Read more

CLICK HERE to learn more about the tax advantages of using the “Bundle Theory” with annuities.  The bundles provide you and your client the flexibility of moving some or all of their accounts if their financial goals change.  Plus, separating the money could keep the future values below the threshold for the Guaranty Association.  For … Read more