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In this episode, we ask:
- Do annuities stink?
- What are the retirement experts saying?
In this episode, I explore the Kiplinger’s Article from June 3, 2021 on 8 Surprising Ways to Prosper on Annuities and add some of my own thoughts. Have you read this article? It’s really good…
- What are the three questions you need to ask yourself before buying an annuity?
- How do you want to fund your annuity?
- Can you add to a flexible annuity?
- When do you want the money?
- What is a SPIA (a single premium immediate annuity)?
- What is a deferred annuity?
- What about earning interest?
- How do you want it to grow?
- What is a fixed annuity?
- What about variable annuities?
- Who assumes all of the risk?
- What is guaranteed?
- What about a fixed deferred annuity?
- What about a declared rate annuity?
- What about the interest calculation?
- How does an annuity compare to a CD?
- What about the S&P 500?
- What about when the market is up?
- What about when the market drops?
- What about allocations?
- What about locked-in increases?
- What is the safety of a fixed indexed annuity?
- Does a fixed indexed annuity make sense for you?
- What about charity?
- What about long term care?
- What about estate planning?
- What about RMDs?
- What is the bucket strategy?
- What about the short term?
- What about the medium term?
- What about the long term?
- What is laddering?
- What is a bond market hedge?
- What about period certain income?
- What is bond market risk?
- What about transferring wealth to your heirs?
- Would you like to hear Episode 211?
- What about an annuity with a death benefit?
- What about a series of payments?
- What about a joint life annuity?
- Who is your survivor?
- Does your survivor need to be a spouse?
- What about a child or grandchild?
- Does an inheritance strategy change the monthly income amount?
- Does the annuity bypass probate?
- What about social security benefits?
- What about waiting until age 70 to take social security benefits?
- What happens to the monthly amount?
- What are the downsides?
- What about health?
- What about reliable income?
- What about long term care expenses?
- What about underwriting for long term care in an annuity?
- Do they require medical exams?
- What about giving more money to charity?
- What is a charitable gift annuity?
- What about minimizing estate taxes?
- What about loss of liquidity?
- What about reducing your required minimum distributions (RMDs)?
- What is a QLAC or qualified life annuity contract?
- Are you forced to take money out of qualified plans?
- What happens at age 85?
- How might one beat a CD at its own game?
- What is a MYGA or multi-year guaranteed annuity?
- What about a fixed period of time?
- What about an additional savings bucket for retirement?
- What about a fixed annuity over a certain period of time?
- What are the options?
- What’s the difference between a CD and a MYGA?
- Who issues a CD?
- Who issues a MYGA?
- What about interest?
- What about tax?
- What about medical bills?
- What about a strategy?
- You’ve heard of deferred tax? What about deferred income?
- What about two streams of income?
- What about pay raises?
- What about growth?
- What about repaying a whole life insurance loan?
- What surprising ways have you prospered from annuities?
