Are you being sold a RILA Annuity?
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 […]
Category Archives: Annuities
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MYGAs instead of T-Bills or Cash
Consider MYGAs instead of CDs in a Ladder MYGAs are good annuities. Good annuities also include SPIAs and QLACs. They all have similarities, but first, you must buy them rather than being upsold for a higher commission. Good annuities are […]
SPIAs – Good Annuities
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 […]
How to Use Good Annuities in Retirement
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. A SPIA is a good tool for significant current income needs. […]
Investment-Only Variable Annuities: Repurposing Expensive VAs
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 […]
The Purpose of “that money”
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 […]
How Roth Conversions are like Longevity Insurance
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 […]