Compare and Contrast – Income Riders & Annuity Resource

Below you will find some of the better articles about annuity income riders and variable annuities. Author(s) Article Publication Date Bauer, Kling and Russ A universal pricing framework for guaranteed minimum benefits in variable annuities ASTIN Bulletin 2008 Benartzi & Thaler Annuitization puzzles Journal of Economic Perspectives 2011 Blanchett Optimal portfolio allocations with GMWB annuities […]

Annuities & Disappearing Surrender Charges

Surrender charges on fee-based variable annuities seem to be retreating faster than the polar ice caps, new filings reveal. “These advisor-sold contracts typically have no surrender or a very short surrender (period) with very low penalties,” said Kevin Loffredi, senior product manager, annuity solutions, for Morningstar. Surrender charges penalize an annuity contract holder for canceling […]

Ken Fisher Hates Annuities? Pros and Cons + The Truth

Does Ken Fisher hate annuities? If Ken Fisher is against guaranteed, lifetime income in retirement, then maybe Ken Fisher hates annuities. Read the annuities pros and cons here before you decide. Then you can contact Ted Bernstein at 561-869-4500 and request a complementary income annuity quote with guaranteed, lifetime income that you can never lose. […]

10 Most Common Retirement Threats – Protect Your Nest Egg

Watch out for these common retirement threats to your nest-egg. Follow these risk proof retirement tips: Longevity Risk: Considered by many to be the most dangerous  of all retirement threats as life expectancy continues to increase. To mitigate longevity risk, you want to convert lump-sum retirement assets into guaranteed income streams for life. This retirement threat […]

Today Show: Make your money last with an annuity

  The Today Show this week includes an important recommendation about guaranteed, lifetime income. Although 2016 was a banner year for indexed annuities, we have a long way to go. Too many people do not understand indexed annuities and as a result, they are still measuring their retirement security by the size of their portfolios. […]

ROI = Reliability of Income

In Retirement, ROI is Reliability of Income. Helping you shift your focus from asset accumulation to guaranteed income will create more security in your retirement plan. Economists, professors and thought leaders all over the world are helping planners and their clients change the dialogue about why sufficient levels of lifetime income are more beneficial and valuable than asset accumulation […]

Put a Safety Net Under Your Retirement Assets

Guaranteed Income + Liquidity is finally being recognized as a powerful combination for retirement security. Lifetime income hedges away longevity risk and liquidity of assets ensures flexibility with the ability to maneuver when necessary. It is more important than ever for people to understand the difference between asset accumulation in retirement versus guaranteed, lifetime income streams. […]

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