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Author: John Olsen
Publisher:
ISBN: 9780972825146
Category :
Languages : en
Pages : 325
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Book Description
Author: John Olsen
Publisher:
ISBN: 9780972825146
Category :
Languages : en
Pages : 325
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Book Description
Author: Jay Adkisson JD
Publisher: iUniverse
ISBN: 0595404189
Category : Business & Economics
Languages : en
Pages : 94
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Book Description
Few individuals have done more to educate the American public about financial scams than Jay Adkisson. As the creator of Quatloos.com, Jay has helped many thousands of people worldwide avoid being scammed out of many millions of dollars to various investment schemes. The U.S. Senate Finance Committee has twice called Jay as an expert witness on abusive tax schemes. As one of the authors of Asset Protection: Concepts and Strategies (McGraw-Hill 2004), Jay has similarly helped thousands of people avoid dubious asset protection schemes. In his latest book, Equity-Indexed Annuities: The Smart Consumer's Guide, Jay gives a balanced and objective overview of this advanced form of fixed annuity to better educate consumers of the advantages, disadvantages, and the numerous product options that are available when considering the purchase of this popular retirement vehicle. This short guide covers all the most important issues that consumers should address before purchasing an equity-indexed annuity, including: How the minimum interest rate is paid, how the maximum return is linked to the stock index, and how participation rates and caps may limit returns. How surrender charges may limit withdrawal rights for a period of years after the annuity is purchased, and why the annuity should not be purchased if the consumer will need the cash during this period. How the annuity payments may be made, and what can happen upon the death of the annuitant. How annuities benefit from tax-deferral, how taxes are paid upon withdrawal or when annuity payments are made, and tax considerations upon the death of the annuitant. How the annuity and annuity payments may be protected from creditors in some states, and how in other states they may be protected by proper planning done in advance of claims. This guide should also give consumers the ability to intelligently answer the most fundamental question: Is an equity-indexed annuity right for me
Author: Lindahl Lucas
Publisher:
ISBN: 9780692541470
Category :
Languages : en
Pages : 86
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Book Description
Retirement books like the Pros and Cons of Annuities may seem like they are few and far between BUT the simple fact is, what Lindahl Lucas shares in his retirement book is the cold hard truth about RISK and how it has no place in your Retirement Investments. Your Retirement Planning & Retirement Strategies MUST protect your retirement savings from catastrophic loss, prevent losing money in the stock market or by inflation erosion on your retirement nest egg. 401k books and Retirement Savings time bomb or other retirement books cannot show you the intricacies and the nuances associated with purchasing an annuity the way Lindahl Lucas has done in this book "The Pros and Cons of Index Annuities." Learn exactly how to PROTECT your investments by using the retirement planning advice and some of the retirement planning tips featured in this Retirement Savings time bomb in retirement savings books... Looking for Retirement Gifts In Books? This is the perfect gift for a baby boomer looking to learn more about protecting their long-term legacy of money and living the good life in retirement.Purchase your copy of The Pros and Cons of Index Annuities. Buy It Now!The Pros and Cons of Index Annuities isn't your retirement planning for dummies book, it is really for someone that enjoys the finer tastes and the knowledge from a reputable expert that can help you succeed, no matter what age, if you follow the process to using his systems, when an annuity and investing in an annuity is right for you.Stop investing in stocks... Stop investing in gold and silver... Have the right amount of diversification by protecting 30-50% of your assets in an annuity. Finding out the Pros and Cons of annuities will let you know if investing in an annuity is right for you, which one would best suit your needs, and how you can begin the discovery process with Mr. Lindahl Lucas and his team of Retirement Advisers at Lucas Insurance Services. Keep in mind, investing in real estate has no guarantee, but investing in an annuity or a fixed index annuity allows your money to grow and you can guarantee yourself and your spouse a pension from your account for as long as you both shall live, regardless of who passes on first. And, after you both pass the remaining money left in the account will be passed on to the beneficiary which makes learning the pros and cons of index annuities such a wonderful Retirement Gift In Books!Investing in annuities for dummies is half the price... Do you really want to buy an investing book for dummies? I would think if you are reading this that you want to buy a book that can explain all the questions that I myself wanted answered, which is how I arrived at a detailed explanation of the pros and cons of annuities, and more specifically index annuities.Index annuities and fixed index annuities are great retirement investment vehicles and this is a great retirement investment book. Whether you need retirement gifts for men or retirement gifts for women, if you love them and they love to read great quality information that can protect their money in retirement, then The Pros and Cons of Annuities is really a great choice for you to Buy Now! Buy it Now on Amazon! - ADD TO CARTThe wealth management resource chart and pros and cons of annuities worksheet will assist you in financial planning and learning the wealth secrets of the one percent... It is an annuity.Now you have the opportunity to take action and learn the pros and cons of annuities from Lindahl Lucas, Retirement Planning Specialist and the author of "The Pros and Cons of Index Annuities."Learn more at: http://www.ProsandConsofAnnuities.comIn this retirement planning book you will learn:What An Annuity Is. Why You Should Consider Fixed and Indexed Annuities over Variable Annuities, what a Traditional Annuity is and why it is no longer sold. How you can identify if investing in an annuity is right for you.
Author: Kerry Pechter
Publisher: John Wiley & Sons
ISBN: 1118051939
Category : Business & Economics
Languages : en
Pages : 373
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Book Description
Why look into annuities? If you’re a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies, 3rd Edition. This completely revised and updated, plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You’ll find out exactly what annuities are, whether they’re the right financial vehicle for you, and which of the many annuity options might have your name on it. You’ll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to: Identify the main types of annuities Weigh the pros and cons of annuities for yourself Minimize the complexity and cost of your annuity investment Figure out how much money to commit Avoid common annuity pitfalls Create an income you can’t outlive The time to start securing your financial future is now. Annuities For Dummies, 3rd Edition, gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.
Author: Robert A. Esperti
Publisher:
ISBN: 9780985045623
Category : Business & Economics
Languages : en
Pages : 246
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Book Description
We wrote this book for readers whose primary goal is to protect their principal and guarantee that it will not be lost from market plunges, while making as much income as they can over time in doing so.
Author: Patrick Kelly
Publisher:
ISBN: 9780983361565
Category :
Languages : en
Pages :
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Book Description
Author: David Reindel
Publisher: Agate Publishing
ISBN: 1572846534
Category : Business & Economics
Languages : en
Pages : 193
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Book Description
Massive numbers of 50-plus baby boomers will be retiring in the next few years. How will they finance that retirement? This practical guide presents an often overlooked but commonsense solution. Expert David Reindel argues persuasively for the preservation of assets, rather than a risk-prone obsession with the accumulation of them. Crucial to this process, he explains, is the humble annuity. Why have these time-honored investment tools generated so much negative attention in recent years? Don’t Die Broke details the financial industry’s misrepresentations of the annuity, and how — set up and managed correctly — it can offer the most reliable income source for boomers in this era of economic uncertainty. This book is both a clear-minded analysis of the forces that have led us to the present calamity and a reassuring roadmap to a more secure future.
Author: David Shapiro
Publisher: Dearborn Real Estate Education Company
ISBN:
Category : Business & Economics
Languages : en
Pages : 196
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Book Description
Annotation This text provides a clearly organized introduction to the subject of annuities, written in non-technical language for students or other non-specialists. The chapters include summaries and review questions; an appendix contains a sample flexible premium deferred annuity contract. There is no index. Schapiro and Streiff work in financial services. Annotation c. Book News, Inc., Portland, OR (booknews.com).
Author: George E. Johnson
Publisher:
ISBN:
Category : Variable annuities
Languages : en
Pages : 228
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Book Description
Author: Wade Donald Pfau
Publisher: Retirement Researcher Guid
ISBN: 9781945640063
Category : Business & Economics
Languages : en
Pages : 368
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Book Description
Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
