A Less Expensive Variable Annuity Option: IOVA IOVA Annuities can be less expensive than other Variable Annuities and can be considered if you want to repurpose other expensive insurance products. Regular variable annuities are expensive, complex, and can be full […]
Annuities in Retirement What is the purpose of that money in retirement? When you buy an annuity, you trade a lump sum to access a risk pool. You pool your risk with others to mitigate the risk. You don’t invest […]
Roth Conversions are Longevity Insurance Roth conversions are a little like longevity insurance! Longevity insurance pays you more the longer you live. It protects against living too long a life. Social security is longevity insurance, too. Interested? Let’s talk about […]
What is a RILA? What is a RILA, and should you buy one? These annuities are taking off from a sales perspective, so I’m not surprised that you are being sold a RILA. Should you buy one? Let’s find […]
Good Annuities in Retirement How do you use an annuity in retirement? Which annuities are “good” for retirement? Annuities, when used appropriately, lower both potential risk and possible reward. For significant current income needs, a SPIA is a good tool. […]
Why You Should Consider MYGAs instead of CDs in a CD Ladder MYGAs are good annuities. Annuities have a bad rap. There are, however, good annuities that the advanced investor should consider. A MYGA (Multi-Year Guaranteed Annuity) may have a […]
A Good Annuity Comprehensive Guide to SPIAs What is a “good annuity?” It is an annuity an advanced investor might want to buy! Usually, you are sold annuities, but not so with a good annuity. When considering retirement income, should […]
