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AARP Fixed Index Annuity Article Rebuttal

At Retirement Think Tank, we believe that education is key to making the best retirement planning decisions, so we are happy to see that an article just got published on Annuity123 giving a very detailed rebuttal to an article published on AARP that was overly negative towards fixed index annuities. In this AARP Fixed Index  Click to Continue


What Are Fixed Index Annuities?

Assembling the optimal retirement plan is critical for today’s seniors given that their retirement years will likely be much longer than that of the parents.  Most troubling, is that many of today’s retirees do not have the comfortable pension plans to offset the ever-increasing risk of life longevity (living longer than ones retirement savings can  Click to Continue


Major Annuity Carrier Gets Downgraded

A.M. Best Company, a leading ratings agency in the insurance and annuity marketplace, announced this week that it has downgraded its ratings for The Phoenix Companies, Inc. and its subsidiaries.  Not only did A.M. Best Company downgrade Phoenix on its financial strength rating, but it also lowered the rating for its issuer credit ratings.  Headquartered  Click to Continue


Different Types of Fixed Annuities

Today I would like to briefly touch on the different variations of annuities.  There’s not just one annuity out there, and I feel like they get lumped up together causing confusion and misrepresentation. Fixed Annuity – This type of deferred annuity is similar to a CD.  You know today, exactly what fixed rate of growth  Click to Continue


Solution to a Rising Interest Rate Environment

A year ago when a client or prospect was approached by an advisor to move a portion of their “save money” into an annuity, some common objections were: “rates are too low”, or “why would I lock my money up now “what if interest rates start to rise?”  All are valid points.  And I’m sure  Click to Continue


Caps are Rising!!!

Finally Rates are on the rise!!!  It’s been a tough 2 years with rates on fixed and fixed index annuities being at an all-time low.  With fixed index annuities, you typically are not guaranteed growth because you are participating in stock, bond, or commodity indexes with 100% downside protection from market volatility.  The trade-off for  Click to Continue


Simple Interest vs. Compound Interest

By definition, simple interest is called simple because it ignores the effects of compounding.  With simple interest, the interest is always based on the original principal.  With compound interest; interest accrues on the initial principal and the accumulated interest of that principal.  So in layman’s terms, compound interest is interest on interest.   Let me share  Click to Continue


Immediate Annuities: The Opposite Of Life Insurance

In this day and age of employee-sponsored qualified retirement plans such as 401(k)s and 403(b)s, many of us have never known what it would be like to have a pension plan with an employer.  Many of our parents and grandparents have lived out their retirement years with funds received as a pension payout from their  Click to Continue