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Is the Biggest Government Takeover Yet Around the Corner?

During this past Easter weekend, I was reminded of the old Proverb “Half a loaf is better than none”. That was first said by a federal employee going out to play golf at noon. It is hard to believe that less than a decade ago, we were talking about partial privatization of the Social Security  Click to Continue

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Are Variable Annuities Sales Slide Fixed Indexed Annuities Ride?

Will Rogers once said that the income taxes has made more liars out of Americans than golf so as we wrap up the tax season and look at the summary of results from the Variable and Fixed Indexed Annuity arena in 2012,  it looks as if Variable Annuities continue to slide after three straight years  Click to Continue

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World’s Largest Fund Manager Says Sell Stocks, Euro

Bill Gross and Mohammed El-Erian, co- managers of the World’s largest Mutual Fund at Pimco said the stock market is running out of gas and to buy 5 year Treasuries today, which are one of the major investment vehicles purchased by life carriers that sell indexed and income annuities that feature income riders.   Both  Click to Continue

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By the T-R-E-E, Savers Still Get a B

The more things change the more they remain the same or so it seems. One glaring fact is that for as far as I remember, Mutual Fund Investors, Indexed Annuity Savers and other investors have abysmally underperformed the market or their benchmark regardless of whether the market is up or down. For the last 10  Click to Continue

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Five Consumer Biblical Principles for All-time

As Hollywood stands stunned by the enormous success of the History Channels miniseries ”The Bible” and the Employee Benefit Research Institute(EBRI) reports a record number of people destitute for retirement, it is important to remember a few of the less talked about principals that are being ignored by many savers and investors as we celebrate  Click to Continue

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Another Bond Market Bubble Risk-Taxable Social Security?

They say there is a coffee shop on Wall Street  serving a Stock Market Breakfast-scrambled nest eggs. With millions of aging baby boomers continuing to work past normal retirement age, many clients are wondering if there is anything they can do to reduce income taxes on social security benefits. Annuities are one way to access  Click to Continue

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Advisers Help Clients Sharpen Their Pencils

The most widely followed stock index in the world is the Standard and Poor’s 500, a capitalization- weighted index followed from sea to shining sea and around the Globe from Wall Street to Wallyworld.  It covers a wide variety of companies from Apple to Big Lots.  It is still after 18 years, by far the  Click to Continue

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REITS right combo with Annuities?

In a world that is challenging to find assets that zig while others zag, Real Estate Investment Trusts or REITS,  have provided an effective way to invest in the housing and commercial property recovery while outperforming the broader equity market, and the S&P 500 index the last 4 years. The performance of REITS have been significantly  Click to Continue

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Which FIA Private Equity Manager Wins

With BNP Paribas upgrading AVIVA, it’s beginning to appear that analysts are beginning to see rreal value in Private Equity’s entrance into the Annuity Industry. I am reminded, however, that their estimates of hidden value are like a bikini. What they reveal is important. What they conceal is vital. As AVIVA’s U.S. operations are divested  Click to Continue

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GRATs are Great but Hustle

Now that the recent merger and acquisition activity over the last week shows that banks are beginning to loosen up their vaults a little bit. The old saying that a banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain. Now  Click to Continue

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