Author name: John Stevenson

If you’re worried about a market crash, you’re not alone. Many pre-retirees and retirees ask the same question: Do annuities lose money when the market crashes? And if you already own one, what happens to your contract? Let’s break this down in plain English—and clear up the confusion once and for all. Need help choosing

If you’re considering an annuity, one of the biggest questions is when to turn it into income. Should you annuitize now… or wait until you’re older? The short answer: it’s usually smarter to wait. But as with all retirement decisions, your personal situation matters. Let’s walk through the numbers, the options, and how to decide

If you already have a pension, it’s natural to wonder: do annuities still make sense? The short answer? Sometimes yes — sometimes no. It all depends on your goals, your income gap, and how much flexibility you want in retirement. Let’s break this down clearly and simply. Need help choosing the best annuity for your

If you’re approaching retirement, you’ve probably heard this question before: Is an annuity better than a bond ladder for retirement income? The short answer? It’s not really either/or. It’s about which strategy fits your goals, lifestyle, and tolerance for complexity. Let’s break this down in plain English. Annuities vs. Bond Ladders: The Big Picture Both

If you already own an annuity—or you’re thinking about buying one—you’ve probably heard the warnings: “It’s locked up,” “You can’t touch your money,” “You’ll get crushed if you exit early.” Some of that is outdated. Some of it is flat-out wrong. In this article, I’ll walk you through how getting out of an annuity really

If you’re considering an annuity, one of the first questions you should ask is simple:Are annuities really guaranteed—and who’s backing those guarantees? A lot of advisors talk about “guarantees,” but very few explain where those guarantees actually come from. Let’s break it down in plain English so you can feel confident about how annuities are

One of the most common questions people ask is: “What’s the best age to buy an annuity?” You’ll hear a lot of vague answers online. Some say “as early as possible,” others say “wait until retirement.” The truth is, those answers are incomplete—and following them blindly can cost you flexibility and income. Let’s break down

If you’ve noticed more retirees talking about annuities lately, you’re not imagining it. Annuity sales are near record highs — and there are very specific reasons why. Some people ask: Are annuities good? Bad? A scam? The real answer is simpler — they solve problems retirees are facing right now. Let’s break it down so

If you’re searching for the safest type of annuity in today’s market, you’re usually asking one simple question: “How do I protect my principal and still get a fair return or reliable income?” In most cases, the safest annuities are fixed annuities (MYGAs) and fixed index annuities (FIAs)—not variable annuities. Below is a clear, practical