Annuity Investing

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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Should I Consider An Annuity?

Should I Consider An Annuity? By TONY MONTANARI, CIMA® I | FREE CONSULTATION A common question that many of my clients ask me is Should I consider an annuity?   Are you being told everything there is to...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
The Appeal of Indexed Annuities

The upside potential and downside protection of indexed annuities continue to appeal to investors, and in 2004 fueled sales that topped $23.4 billion _ a 67 percent increase over 20031 Why the recent rush to indexed...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Annuities: Stay Single or Go Steady?

Some people like to jump in with both feet. Others prefer to ease in slowly. Regardless of which way you like to go, there may be an annuity program that suits you. Annuities continue to be a popular way to accumulate...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Equity Index Annuities

As you well know your investments or savings cannot simply stand still in very low yielding vehicles. Sooner or later you begin to eat away at your principal and thus, there is less available to sustain your lifestyle. In...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Supercharge Your Savings Account

"Let me tell you about the very rich," F. Scott Fitzgerald once said. "They are very different from you and me." Ernest Hemingway famously replied, "Yes, they have more money."1 It's one thing to risk it all in the...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Grow Funds Tax Deferred with a Fixed Annuity

A Fixed Annuity is a contract between you and an insurance company. In exchange for a deposit, known as a current premium, your insurer agrees to pay you a minimum fixed rate of return. Generally rates change annually. If...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Traditional Financial Planning Misconceptions

What if everything you had always been told about retirement planning, investing and mortgages were not true, when would you want to know it? I suspect you d say- RIGHT NOW! Let s start with a little true or false test...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Private Annuity Trust: Sell Appreciated Assets while Deferring Income Taxes and Avoiding Estate Taxes

In the right circumstances, few if any financial planning strategies can generate the combined benefits of the Private Annuity Trust. The concept is deceptively simple: Sell an appreciated asset (real estate, a closely...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Why Consider Variable Annuities?

You may already participate in an employer-sponsored retirement plan and/or contribute to an Individual Retirement Account (IRA). If so, congratulations! You're one step ahead of many Americans when it comes to saving your...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Annuities: A Seller's Dream Come True

No, not for you, but for those who sell them! Annuities may reward the salesperson handsomely, impose hefty annual fees, lock a customer in for years, exact stiff surrender penalties, and carry contract terms so...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Immediate Annuities

As a refresher: the immediate annuity is a contract issued by an insurance company that takes a lump sum of money and guarantees a monthly payment based on your current age and your life expectancy and pays it to you for...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
16 Features and Benefits of Fixed Annuities

Deferred Fixed Annuities: Per Section 72 of the Internal Revenue Code, if you are not currently spending it anyway, the deferred earnings grow without current taxation. This may reduce or eliminate taxes on your Social...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Variable Annuities: Are They Now Too Cheap?

I was never a big fan of Variable Annuities until a few years ago when I learned of the relatively new "living benefits" that had become available. Having led teams that built financial products in the past, I readily...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Annuities: A Retirement Planning Tool to Consider

When it comes to deferring taxes, people normally think of retirement accounts like 401(k)s, Keoghs, SEPs, and IRAs. But there's another way to defer taxes on your investment earnings until you reach retirement age: by...
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Retirement Planning | Annuity | Anuity Investing | Wiseradvisor.com
Ruminations on Variable Annuities vs. Taxable Accounts

It appears to me that the most expensive, tax-inefficient mutual funds are generally compared to the most inexpensive annuities to make the case for annuities. However, in a comparison of what a competent advisor would...
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