Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Annuities

Original investment and tax research on annuities from retirement expert Bob Carlson

Found 29 Articles.
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is-longevity-insurance-a-solid-safety-net

Is Longevity Insurance a Solid Safety Net?

December 1, 2007

Longevity insurance is the latest tool designed to relieve Baby Boomers’ anxiety about outliving their income. This innovation now is offered by Hartford Financial Services and MetLife, and other insurers are developing their own versions. You know the problem. A 65-year-old today has about a 50% probability of living past 85, and a 34% chance […]

handling-unwanted-annuities

Handling Unwanted Annuities

October 1, 2007

A number of people bought annuities years ago that no longer suit their needs. Sometimes there has been a major life change relating to marriage, death, or inheritance. Other times a person’s financial needs have changed. They want money now instead of waiting for annuity payouts. Some simply are dissatisfied with the returns of the […]

inflation-protected-never-ending-lifetime-income

Inflation-Protected Never-Ending Lifetime Income

November 1, 2005

Retirement planning boils down to solving two problems: providing an income for life, and ensuring that income retains its purchasing power. Running out of money and watching the purchasing power of one’s income erode are two of the greatest retirement fears. Financial services companies constantly are developing products and strategies to alleviate these fears. As […]

how-to-maximize-returns-in-equity-annuities

How to Maximize Returns in Equity Annuities

July 1, 2005

Investment dollars are pouring into equity index annuities. These annuities come close to producing what retirees and near-retirees want and need: guaranteed income with safety of principal and inflation protection. We covered EIAs in past visits. They are a hybrid of fixed annuities and variable annuities. An investor pays a premium to the insurer to […]

The 6 Biggest Risks to your Retirement

What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up with. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here for free access.

analyzing-the-new-annuities

Analyzing the New Annuities

June 1, 2005

Few investors right now are buying the old-fashioned annuities. But as they shift from their accumulation years to their distribution years, many investors want some key features of annuities: tax deferral, guaranteed income, and income that cannot be outlived. Insurers are responding with an array of new features. Some are worth considering; others are the […]

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How to Grow Annuity Income

January 1, 2005

Old-style defined benefit pension plans are looking more attractive to many retirees and near-retirees. A defined benefit (DB) plan pays a fixed monthly amount for life, and many even increase the payment for inflation each year. When the stock market is volatile and uncertain, and bond yields are low, a DB plan can look good. […]

equity-annuities-the-short-course

Equity Annuities: The Short Course

December 1, 2004

Are you still trying to figure out equity-indexed annuities? I’ve reviewed these popular products several times, including in September’s visit. An easy way to learn the details of these annuities is to read the free booklet, The Future of Retirement Savings. It is available from WealthMasters, Inc., (3200 N. Dobson Rd., Bldg. C, Chandler, AZ […]

new-looks-in-annuities

New Looks in Annuities

October 1, 2004

Recent changes are making annuities hot again. At least that’s what the annuity sellers want you to believe. Some of the new annuity features are attractive. But others are just sales gimmicks. The biggest changes are in fixed annuities. The bear market in stocks initially drew investors to safer investments, such as fixed annuities. But […]

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