Independent & Objective Reviews on Annuity Investments

Annuity Salespeople Telling the Whole Truth? Find out here with in-depth annuity reviews that reveal the facts on what you can really expect from your annuity.

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The Immediate Annuity Versus The Deferred Annuity

Perhaps you’re familiar with the famous Marshmallow Experiment conducted by Professor Walter Mischel back in the 1960s. He made a deal with each child, promising two marshmallows if they were able to wait for 15 minutes without eating one marshmallow. What’s interesting is that follow-up studies later confirmed that those children who were able to delay gratification were generally smarter, healthier, and stronger.

Waiting can lead to good things, but some needs are immediate. If an income during retirement is what you need, then an annuity might be the right choice. If you’re scratching your head over which type to choose, it might be helpful to boil it down to a simple question of timing. Ask yourself, when do you want your income? Now, or later?

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Independent Review of the Athene Balanced Choice Level 10 Annuity

What We Will Be Covering in this Annuity Review

In this annuity review, we will be going over the details regarding the Athene Balanced Choice Level 10 fixed indexed annuity, such as:

  • Product typeIndependent Review of the Athene MYG 5 Fixed Annuity
  • Fees
  • Current rates
  • Realistic long-term return expectations
  • How it is used
  • How it is most poorly used

Annuities can be complex. That’s where having an Annuity Investigator who loves math comes in.
We make the complex, simple.

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3 Types Of Fees That May Be Funding Your Broker’s Retirement And Not Your Own

Different types of annuities come with different types of fees. Generally speaking, there are one-time fees and ongoing fees. The ones that you really want to be aware of are the ongoing fees. Those fees may be set up to automatically to take money out your account on a regular, recurring basis, sometimes for the rest of your life.

The one type of annuity that has the highest fees is also the one type of annuity typically sold by brokers. Because variable annuities are complex products, they often offer higher commissions to brokers than other types of securities such as mutual funds. Here is what you need to know about the three types of ongoing fees in an annuity that might be doing as much (if not more!) to fund the retirement of someone else.

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Independent Review of the RIC-E Trust (Ric Edelman)

What will we be covering in this review?

In this review, we will be discussing the RIC-E, Retirement Income for Everyone Trust, from Edelman Financial. More specifically, we will provide information on:

  • Type of productIndependent Review of the RIC-E Trust (Ric Edelman)
  • Fees
  • Realistic long-term expectations
  • How the product is used
  • How it might be poorly used (in other words, who should ideally stay away from this product, as it may not fit in well with short- and/or long-term goals)

Annuities can be complex. That’s where having an Annuity Investigator who loves math comes in.
We make the complex, simple.

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The Indexed Annuity Versus The Variable Annuity

If you know you need to get an income from the money in your retirement accounts, then an annuity might be in your future. No other financial vehicle does what an annuity can do: it turns investments into paychecks. The problem is, which annuity is best?

It can be hard to figure out the advantages and disadvantages because professionals who sell annuities sometimes earn commissions on these products and that can sway their bias. They may not have access to certain types of annuities, and so they won’t offer them, or they might tell you that they are “bad annuities.” In this article, we will lay out the facts so that you can decide for yourself, which is better, the indexed annuity or the variable annuity? And what are the biggest mistakes that people make?

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