The Objective Guide To Fixed And Indexed Annuities

Author : Robert A. Esperti
Publisher :
ISBN 13 : 9780985045623
Total Pages : 246 pages
Book Rating : 4.20/5 ( download)

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Download or read book The Objective Guide to Fixed and Indexed Annuities written by Robert A. Esperti and published by . This book was released on 2014-09-01 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: We wrote this book for readers whose primary goal is to protect their principal and guarantee that it will not be lost from market plunges, while making as much income as they can over time in doing so.

Author : Jay Adkisson JD
Publisher : iUniverse
ISBN 13 : 0595404189
Total Pages : 94 pages
Book Rating : 4.86/5 ( download)

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Download or read book Equity-Indexed Annuities written by Jay Adkisson JD and published by iUniverse. This book was released on 2006-08 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Few individuals have done more to educate the American public about financial scams than Jay Adkisson. As the creator of Quatloos.com, Jay has helped many thousands of people worldwide avoid being scammed out of many millions of dollars to various investment schemes. The U.S. Senate Finance Committee has twice called Jay as an expert witness on abusive tax schemes. As one of the authors of Asset Protection: Concepts and Strategies (McGraw-Hill 2004), Jay has similarly helped thousands of people avoid dubious asset protection schemes. In his latest book, Equity-Indexed Annuities: The Smart Consumer's Guide, Jay gives a balanced and objective overview of this advanced form of fixed annuity to better educate consumers of the advantages, disadvantages, and the numerous product options that are available when considering the purchase of this popular retirement vehicle. This short guide covers all the most important issues that consumers should address before purchasing an equity-indexed annuity, including: How the minimum interest rate is paid, how the maximum return is linked to the stock index, and how participation rates and caps may limit returns. How surrender charges may limit withdrawal rights for a period of years after the annuity is purchased, and why the annuity should not be purchased if the consumer will need the cash during this period. How the annuity payments may be made, and what can happen upon the death of the annuitant. How annuities benefit from tax-deferral, how taxes are paid upon withdrawal or when annuity payments are made, and tax considerations upon the death of the annuitant. How the annuity and annuity payments may be protected from creditors in some states, and how in other states they may be protected by proper planning done in advance of claims. This guide should also give consumers the ability to intelligently answer the most fundamental question: Is an equity-indexed annuity right for me

Author : Darlene K. Chandler
Publisher : National Underwriter Company
ISBN 13 : 9780872182240
Total Pages : 0 pages
Book Rating : 4.4X/5 ( download)

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Download or read book The Annuity Handbook written by Darlene K. Chandler and published by National Underwriter Company. This book was released on 1998 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: If your clients frequently ask questions about annuities, you need The Annuity Handbook to find the answers fast. It's the most up-to-date source on annuities; covering equity-indexed annuities, variable annuities and fixed annuities. Find out what an annuity is, how it works, and when its use is appropriate. Answer questions like: Must the owner and the annuitant be the same person? Where do annuities fit in with estate planning? Are annuity contracts owned at death included in the owner's estate? and How are nonqualified annuities used in retirement and charitable planning?

Author :
Publisher :
ISBN 13 :
Total Pages : 24 pages
Book Rating : 4.47/5 ( download)

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Download or read book Variable Annuities written by and published by . This book was released on 2005 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Victor Friedmann
Publisher : Lulu.com
ISBN 13 : 1430325798
Total Pages : 126 pages
Book Rating : 4.96/5 ( download)

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Download or read book The Loafer's Guide to Successful Retirement and Slow Cooking written by Victor Friedmann and published by Lulu.com. This book was released on 2007-08-28 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: 100% of profits will be donated to cancer research. Behind the humor and the succulent recipes is a serious message: plan early for retirement, save at least 8% to 10% of gross income, earn at least 8% on investment, invest in an all-market index, stay the course, and expect Social Security to play a decreasing role in retirement financing. In a plug-and-play format this book features: * The planning tools you need for successful retirement financing * Unique tables to help you compute an adequate saving rate * Your own easy-to-use retirement budget planner * The tools to help you decide when to start drawing Social Security * Easy to use tables to compute your risk of outliving your money * A link to a free, web-based, interactive spreadsheet to compute the retirement budget and risk of ruin * Illustrations of sample retirement plans and their Risk of Ruin * Using TIPS and longevity insurance to reduce Risk of Ruin to zero * An enviable menu of barbecue recipes

Author : Shimpock
Publisher : Wolters Kluwer
ISBN 13 : 0735552673
Total Pages : 910 pages
Book Rating : 4.78/5 ( download)

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Download or read book Business Research Handbook written by Shimpock and published by Wolters Kluwer. This book was released on 2004-11-23 with total page 910 pages. Available in PDF, EPUB and Kindle. Book excerpt: Business Research Handbook is the best strategic approach to research. It gives you ready-to-adapt strategies that streamline and focus your information search, complete with: Procedures that progressively sift and regroup your research decision points that allow you to evaluate which steps remain The most cost-effective ways to take advantage of today's electronic media resources Efficient ways to retrieve the information your search has located. Easy-to-adapt sample research strategies are found throughout the book to help you confidently and quickly conduct your research in unfamiliar areas. You will find that the Business Research Handbook is designed in a graphic, user-friendly format with easy-to-recognize icons as reference pointers, and extensive lists of sources and material to help you obtain the information you need to: Compile biographical information on key players or parties Investigate potential business partners or competitors Engage in marketing research Compile a company profile Locate expert witnesses and verify credentials And much more.

Author : Barry Leonard
Publisher : DIANE Publishing
ISBN 13 : 9781422319024
Total Pages : 32 pages
Book Rating : 4.24/5 ( download)

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Download or read book Savings Fitness written by Barry Leonard and published by DIANE Publishing. This book was released on 2007-12 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations.

Author : Wade Donald Pfau
Publisher : Retirement Researcher Guid
ISBN 13 : 9781945640063
Total Pages : 368 pages
Book Rating : 4.65/5 ( download)

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Download or read book Safety-First Retirement Planning written by Wade Donald Pfau and published by Retirement Researcher Guid. This book was released on 2019-10 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.

Author : Charles Kraut
Publisher : Tate Publishing
ISBN 13 : 1607993368
Total Pages : 324 pages
Book Rating : 4.60/5 ( download)

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Download or read book Moneywise written by Charles Kraut and published by Tate Publishing. This book was released on 2009-09 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: The world of personal finance is changing every day. Do middle-class families have any hope of weathering the storm to protect their savings from the shrinking power of the dollar? They do now. In "Moneywise: Your Guide to Keeping Ahead of Inflation, Taxes, and the Declining Dollar," author Charles W. Kraut reveals principles of saving, investing, and avoiding financial doom that fly in the face of conventional Wall Street wisdom. Learn how to stop relying on the advice of people who are paid to represent others' interests, and get some of those same people to work for yours. Money, or its absence, governs every aspect of our lives, and wise stewards can accomplish more in life. Moneywise will help American families learn specific skills they can put into practice every day, give them a better perspective on the world of finance, and have new confidence their ability to improve their situation.

Author :
Publisher :
ISBN 13 :
Total Pages : 966 pages
Book Rating : 4.98/5 ( download)

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Download or read book Conference on Life Insurance Company Products written by and published by . This book was released on 2007 with total page 966 pages. Available in PDF, EPUB and Kindle. Book excerpt: