November 2025

Interest rates are on the move again—and not in the direction many retirees were hoping for.The Fed recently lowered rates and has signaled that more cuts could be coming. That’s why so many pre-retirees and retirees are reaching out in a panic saying:“John, should I lock in an annuity before rates fall again?” In this […]

Most retirees buy annuities because they don’t want to lose money. They want lifetime income, market protection, and predictable retirement cashflow. But here’s the real question: Can you actually lose money in an annuity? Short answer: Yes — but only under specific circumstances. And most retirees never experience those scenarios if they structure their annuity

When people start comparing annuities and the stock market, this question always comes up: Are fixed indexed annuities (FIAs) really safer? The short answer: Yes — if you choose the right one and use the right strategy. Let’s break it down in plain English. Need help choosing the best annuity for your unique situation? Have

When you’re planning for retirement income, it’s easy to get overwhelmed by all the options inside an annuity contract — especially those income riders. Are they worth the extra cost, or are they just an expensive add-on? Let’s break it down so you can decide for yourself. Need help choosing the best annuity for your

If you’ve been wondering whether annuities are still worth it in 2025—or if they’re just a clever way for insurance companies to take your money—you’re not alone. This is one of the most common questions I get. And I get it. You’ve worked hard for your money, and you don’t want to throw it into

If you’re planning your retirement, you’ve likely heard two common strategies for generating income: dividends and annuities. Both can be valuable tools — but when it comes to reliable, guaranteed income, the differences are massive. Let’s break it down so you can decide which makes more sense for your goals. Need help choosing the best

It’s one of the toughest questions many pre-retirees face: What happens if your investments don’t generate enough income to retire comfortably? Maybe you’ve worked hard, saved diligently, and invested wisely — but the numbers still don’t seem to add up. You’re not alone. Many retirees find that their 401(k), IRA, or brokerage accounts simply don’t