Annuity guides

If you’re shopping for an annuity, the biggest annuity mistakes usually don’t look like “mistakes” at the time. They look like convenience: trusting one quote, signing fast, and assuming everything was explained. But annuities are long-term contracts. When you buy the wrong one—or buy the right one the wrong way—you can lock yourself into surrender […]

If you’re wondering whether to roll over a 401(k) into an annuity, you’re not alone. Pre-retirees and retirees often reach a point where the market feels stressful, and they want guaranteed lifetime income they can’t outlive. The good news: rolling a 401(k), 403(b), TSP, or similar employer plan into an annuity is usually straightforward when

If you’re thinking about buying an annuity, one of the biggest questions is simple—but critical: How much money should you actually put into it? Some advisors say “only a little.” Others say “as much as possible.” The truth? There’s a right range—and going too far can backfire. Let’s break it down in plain English. Need

If you’re thinking about purchasing an annuity, one of the first questions you probably have is: “How will this be taxed?” Great question — because depending on how you fund your annuity, your taxes can be very little… or quite a lot… or sometimes none at all. In this guide, I’ll walk you through exactly

Inflation is the hidden tax that eats into every retiree’s income. And many retirees are asking the same question: “Do annuities actually grow fast enough to beat inflation… or even keep up with it?” It’s a smart question—especially when you want market protection and growth. Traditional thinking says, “Just buy more stocks to beat inflation,”

If you’re approaching retirement and you have a pension, you’ve probably wondered: “Should I take the pension payout… or would I get more income by moving that lump sum into an annuity?” This is one of the most common questions retirees bring to me. And the truth is: sometimes the pension is the better deal

High-bonus annuities sound great on paper. 20%… 25%… sometimes even more. But are these bonus annuities actually good, or are they “too good to be true”? Today, I’ll break down exactly how they work, when they are worth it, and when you should stay far away. Need help choosing the best annuity for your unique

If you’ve ever looked at a lifetime income annuity and thought, “This looks too good to be true,” you’re not alone. Clients tell me this every week. “Guaranteed income for the rest of my life? No stock market losses? Stable payouts? What’s the catch?” There are drawbacks you need to understand — but they’re not

If you’re considering an annuity, one of the first questions that comes up is simple…\ “What happens to my money when I die?” Many retirees worry that the insurance company keeps the remaining balance. Others aren’t sure what their spouse or kids will actually receive. And with so many contract options—SPIAs, DIAs, MYGAs, income riders—it

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