Podcasts about fixed index annuities

Many companies and people focus on a number to achieve a comfortable retirement.   Retirement is not about obtaining a number. It is about cash flow.   The 4% withdrawal rate is often recommended to ensure you don't run out of money with a high degree of certainty.   Guaranteed Lifetime Income products provide 5-7% withdrawal rates guaranteed for life depending on your age. The older you are, the higher the withdrawal rate.   This would increase income for most retirees 25 - 75% guaranteed for life. This ensures you don't run out of money in retirement.      This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The 2025 Allianz Retirement Survey key findings:   64% of Americans worry more about running out of money in retirement than about death.   The primary causes of their concerns are:    - 54% cite the increased prices of goods due to inflation    - 43% fear Social Security will not provide enough financial support as needed    - 43% state high taxes negatively impact their economic situation   Your withdrawal rate largely impacts the likelihood of success of not running out of money in retirement.   The 4% withdrawal rate is often recommended by retirement experts for a high likelihood of success.   According to multiple studies, if you initially withdraw 4% of your portfolio annually your likelihood of not running out of money after 35 years in retirement is 85-95% depending on your asset allocation.    If you increase your withdrawal rate to 5%, your likelihood of success reduces to 45-70%.   If you withdraw 6%, your likelihood of success drops to 10-55%.   Many people respond to periods of market volatility by not looking at their account statements. Ignoring what is not going on is not an effective way to deal with challenges.   If you have concerns about your financial situation, there are strong options available to increase returns safely, reduce market risk, increase withdrawal rates with guarantees, reduce taxes, and increase access to your money.     This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology. China and the US are decoupling economically.  This is similar to the Cold War with the Soviet Union. That was a military conflict. We are in the beginning of an Economic Cold War with China. Divorces can be amicable or messy. So far, China is fighting back. This may take some time. The primary question is how long will this take?    The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology. China and the US are decoupling economically.  This is similar to the Cold War with the Soviet Union. That was a military conflict. The US eventually won the Cold War by outspending the Soviet Union, but it took years. They tried to keep up military spending but were unable to keep up with the US military spending. The US economy was much larger than the Soviet Union's. We are in the beginning of an Economic Cold War with China. The US imports far more products from China than any other country. The US and China have significant financial entanglements. Divorces can be amicable or messy. So far, China is fighting back. This may take some time.   The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning.   The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal.   China exports five times more to the US than the US exports to China. Tariffs affect China far more than the US. They are at a significant disadvantage.   Globalist free trade proponents promised they following:   1. Free trade would lead to fair trade policies. Nations would follow the rules to remain trading partners. 2. Oppressive regimes would become more democratic. 3. Low income, unskilled workers would create a robust middle class worldwide due to free trade. 4. The US would lose manufacturing jobs but there would be plenty of opportunities in the new economy.   The globalist free trade advocates were horribly wrong.   1. China is famous for not following the rules, cheating, and stealing technology. 2. China is still communist and is more oppressive than a few decades ago. 3. Slave labor wages are still common around the world. A middle class does not exist in many countries. 4. Most Americans who lost manufacturing jobs never learned how to code. An entire region is known as the "Rust Belt".   The American people never voted for this. Globalist free trade was foisted on us by a class of self-proclaimed elites.   Independence is a founding principle of our country. A country that cannot produce what it needs is not independent.   America cannot produce many of the things it invented. We are no longer self-reliant.    The globalist free trade advocates were so wrong it is surprising anyone still listens to them.     The top 10% own 88% of stocks in the US. The next 40% own 12% of stocks. The bottom 50% have debt.   Lower energy prices benefit everyone. Cheaper gas impacts most Americans far more than a higher stock market.     The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.  

The reciprocal tariff policy is about Fair Trade vs. Free Trade.    Reciprocal tariffs will be calculated both the monetary and non-monetary totals.  The US will tariff the other country about half of the tariff charged to the US.   Non-tariff barriers are often worse. -        Currency manipulation -        VAT tax -        Export subsidies -        Counterfeit products -        Technology theft -        Subsidized dumping of products into our country designed to kill our industry.   Free trade policies have been used against the US to destroy our manufacturing capability. -        We lose jobs   -        National security issue Look at nearly any small town or rural area in America. Most are a hollow shell of what they once were. -        There are few jobs or opportunities available -        Most are depressed and run-down -        It has steadily gotten worse over the past few decades -        Destroyed American industry.  -     An entire region is known as the rust belt.   The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer Please contact me with any questions.

It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn't matter. The only thing that mattered was how much you put into it, because it was going to continue to climb. Recently, greed was at extreme levels.   Former Fed Chairman Alan Greenspan had warned about “irrational exuberance” in the stock market as early as 1996. Investors ignored this warning. Instead, they increasingly fixated on the promise of the new technology. The current technology promise is AI.   The dot-com era was known for high valuations. Recently, the markets were at record valuations.   The markets peaked in early 2000. The ensuing bear market lasted more than 2 1/2 years.    The S&P 500 dropped 45%. The S&P 500 finally returned to the same levels in May 2007.    The Nasdaq-100 crashed 80%. The Nasdaq-100 took more than 15 years to return to its dot-com-era peak.   The 2000's became known as the "lost decade".   The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US  will be tremendous for decades.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.  

Ironic that the advice always the same. Stay the course. Hang in the there. It will get better. Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks. Hedge funds sold the highest percentage of stocks in early March 2025 since the 2020 COVID correction. Warren Buffett sold the most stocks last year, both total amount and percentage, in his entire career.   The concern is the reciprocal tariffs that will take affect 4.2.25. Even Trump has stated there will be a transition period. The current administration is upending decades of economic status quo. It is not Trump causing the uncertainty. The other countries' responses are causing the uncertainty. Markets hate uncertainty.   The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The Trump administration wants:    1. Fair trade rather than free trade.            - Many countries have taken advantage of the US for decades.            - Reciprocal tariffs are fair, stop taking advantage of the US.            - Making things in the US eliminates tariffs.      2. Bring manufacturing back to the US, build things again.            - The US barely builds anything anymore.            - Important for national security.            - Increase good-paying jobs.       3. Reduce government spending             - Causes inflation             - Spending has exploded. Debt and deficit are unsustainable.             - If allowed to continue, the US would go bankrupt. Economic chaos.             - Eliminating waste, fraud, and theft help reduce spending.             - The US is financially in trouble. Think of the current administration as a turn-around CEO.             - Turn-arounds are challenging. Cuts have to happen. It can be ugly but is necessary.   The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

We found an advisor that we really like who claims to be a fiduciary, but he is suggesting we invest our "protected" money in fixed index annuities. Should we run? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

2025 holds immense potential for growth and transformation within the fixed index annuity space. High interest rates, changing market dynamics, and evolving client needs are creating new opportunities for financial advisors. In this episode of the Advisor Mentorship Podcast, Jeremy Houser sits down with Tom Haines, EVP of Capital Markets & Index Solution at Annexus, … Read More Read More

Raj Shah and Rick Borek compare the elements of a Thanksgiving dinner to essential components of a retirement plan, emphasizing the need for a stable income source. They highlight the benefits of fixed index annuities in the current high-interest rate environment, addressing common misconceptions and the importance of understanding different types of annuities.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

In this episode, The Annuity Man discussed:  Why are Indexed Annuities sold in a misleading way?  Indexed Annuities are not growth products  What annuities are for    Key Takeaways:  Because Indexed Annuities are a high-commission product for agents, they are often promoted in a misleading manner, obscuring their true nature and limitations. Indexed Annuities are not growth products, they are designed for principal protection, CD-type returns, and Income Riders. Indexed Annuities lack dividends, limiting their potential for growth. When it comes to annuities, remember that you should only base your buying decision on contractual guarantees. Annuities solve for these specific goals: Principal protection, Income for life, Legacy, and Long-term care.    "The upfront bonus is candy for the stupid. Buying an Index Annuity for that upfront bonus is like buying a brand-new car for the stereo system. That should be irrelevant to your decision." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  The purpose of Fixed Index Annuities  Buying only for contractual guarantees  Why some agents oversell Index Annuities  Understanding contractual guarantees    Key Takeaways:  Fixed Index Annuities are designed for principal protection and lifetime income, not market growth.  Buy annuities only for contractual guarantees not for upfront bonuses or agent projections. Index Annuities are complex products often oversold by agents for high commissions. Buyers should thoroughly understand contractual guarantees before purchasing Fixed Index Annuities.    "This is your money. Don't believe the hype, believe the contract and own an annuity for what it will do, not what it might do." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Learn about fixed index annuities (FIAs) and how they work. Discover the potential benefits and risks of investing in FIAs. Understand the key features to consider when evaluating FIA options.

Learn about fixed index annuities (FIAs) and how they work. Discover the potential benefits and risks of investing in FIAs. Understand the key features to consider when evaluating FIA options.

Annuities are a topic of debate, with both pros and cons. The main concern is the high fees and lack of access to principal in an emergency. However, Abe Ashton explains that not all annuities are created equal and that it's important to understand the different types of annuities before making a judgment. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe's mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they've worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

In this episode Brian discusses fixed index annuities and how they are used. 

Today, Laura Stover, RFC® and Michael Wallin, CFP® discuss the importance of planning for retirement income and the role of annuities in retirement planning. They start by emphasizing the significance of having a solid plan in place, especially in the face of economic uncertainties like the pandemic, supply chain disruptions, inflation, and market corrections. They mention that over one-third of Americans over the age of 50 regret not having a lifetime income source, as revealed by a recent survey.  We highlight the role of annuities in providing structured, guaranteed income during retirement. They stress the need to identify the right annuity product for one's specific situation, and how annuities are designed for income purposes rather than accumulation. It's important to choose a reputable insurance company. Laura and Michael discuss various types of annuities, including multi-year guaranteed annuities and fixed indexed annuities. They emphasize that annuities should be a part of a comprehensive retirement plan and not the sole solution. They also mention the potential benefits of using structured notes as part of a diversified investment strategy. Purpose-based allocation should be the priority, where different financial tools are used to address specific financial goals in retirement. Always seek professional advice and consider their individual circumstances when making financial decisions. Rate, Review and Subscribe to the Podcast: https://podcasts.apple.com/us/podcast/retirement-talk-podcast-with-laura-stover/id571347188 How to Connect: redefiningwealth.info lswealthmanagement.com Schedule a Review: https://redefiningwealth.info/schedule/   Redefining Wealth® Custom Blueprint Income Plan: https://redefiningwealth.info/schedule/  

With decades of experience in the industry as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker-dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services with a focus on retirement strategies.As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.With his unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.Learn More: https://www.manafg.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-and-managing-partner-with-mana-financial-group-discussing-taxes-in-retirement

With decades of experience in the industry as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker-dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services with a focus on retirement strategies.As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.With his unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.Learn More: https://www.manafg.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-and-managing-partner-with-mana-financial-group-discussing-taxes-in-retirement

With decades of experience in the industry as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker-dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services focusing on retirement strategies.As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.With unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.Learn More: https://www.manafg.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-and-managing-partner-with-mana-financial-group-discussing-asset-allocation

With decades of experience in the industry as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker-dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services focusing on retirement strategies.As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.With unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.Learn More: https://www.manafg.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-and-managing-partner-with-mana-financial-group-discussing-asset-allocation

Sometimes investment decisions (like saving for retirement) are black and white. No nuance or downsides.But when it comes to annuities, there are shades of grey that The Retirement Equals Freedom Podcast is here to help you understand.On this second of two parts, Host Josh Bretl shares FSR Wealth Strategies' take on when, how and why certain annuities can make the perfect fit for clients whose portfolios need rounding out.You'll learn about various types of vehicles to consider, what makes them appealing and potential pitfalls to avoid.Get to know the difference between immediate and deferred annuities and what distinguishes “protected income” buckets from “growth” buckets (from buckets of “fried chicken,” if – like Co-Host Dave Schmidt – you choose to go there!).You'll also find out why Fixed Index Annuities have a lot to offer as a steady stream of low-risk income.If you've ever been intimidated (or put off) by the world of annuities, this is your invitation to take stock (on your own or with the help of a financial adviser) to determine whether they might make a good addition to your growing retirement nest egg.If you missed Part I of this series, click this link to listen to Episode 40, “What's Annuities Got to Do With It?”If you haven't already, please sign up for all the news you can use (+ lots of fun) at this link for the Retirement Equals Freedom podcast newsletter. You might also want to join the conversation at our private Facebook group, which you'll find here.Click here to explore the services that FSR Wealth Strategies offers and schedule a discovery call with one of the team's CPAs. When it comes to living your best life, it's never too early to get started!

As in the previous episodes on annuities, Wade and Alex break down the components of Fixed Indexed annuities (FIAs). They detail the most salient features common across their contract structures and help you determine what features are right (or wrong) for what you are trying to accomplish within a retirement income strategy. They also break down the main differences and similarities between FIAs and income and variable annuities. Listen now to learn more! Links Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors    This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

With decades of experience in the industry as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services with a focus on retirement strategies.As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.With his unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.Learn More: https://www.manafg.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-managing-partner-w-mana-financial-group-discussing-social-security

With decades of experience in the industry as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services with a focus on retirement strategies.As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.With his unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.Learn More: https://www.manafg.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-managing-partner-w-mana-financial-group-discussing-social-security

In this episode, Stan The Annuity Man discussed:  Lifetime income with SPIAs DIAs are SPIAs that you defer What counts as qualified money in QLACs?  What an Income Rider is and what it isn't  Index Annuities are the annuity industry's version of a CD Variable Annuities, charitable gift annuities, and buffer annuities   Key Takeaways:  A Single Premium Immediate Annuity (SPIA) can be structured however you want that pension payment to function while you're alive and whatever you want the money to do when you're dead. If it's an Immediate Annuity, there are no moving parts, annual fees, or market attachments. It's a straight transfer of risk. A Deferred Income Annuity (DIA) is an Immediate Annuity that you defer. A Single Premium Immediate Annuity past 13 months turns into a Deferred Income Annuity. A Qualified Longevity Annuity Contract (QLAC) is a DIA that you can use with qualified money. Qualified money means IRA, not Roth IRA, but traditional IRA. Some 401k's are also now offering QLACs.  An Income Rider is not an annuity, it's an attachment to a Variable or Index Annuity that provides guaranteed income. An Index Annuity is the most cost-effective and efficient delivery system for an Income Rider. An Income Rider is non-transferable, cannot be cashed in, and can't be peeled off of, it also comes with a fee.  MYGAs are the annuity industry's version of a CD. If your time horizon is three years or more, historically, Multi-Year Guarantee Annuities give you a higher contractual annual yield than a CD.  Fixed Index Annuities were created In 1995, to compete with CD returns, giving you the potential to earn a little bit more than CD returns. If you do get a gain, it's locked in permanently and there is principal protection. But the bad news with a lot of Index Annuities at the time of this taping is that annuity companies can change the rules at their discretion every single year when the index option matures.  Variable Annuities are a security that is essentially a bunch of mutual funds wrapped with a life insurance wrapper, which means it would grow tax-deferred, and you could have tax-deferred mutual fund type growth.  A charitable gift annuity is a lifetime income stream typically either starting immediately or down the road. When you die, the charity keeps the money that's left in the account, and they get to hold it while they're paying you back the money based on your life expectancy.    "There's a lot of annuity products out there. Not all of them are great. Not all of them are perfect, but all of them are contractual. So you have to look at the contractual guarantees of the policy. I always tell people don't buy the dream, because you're gonna own the contractual reality." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

In this episode, The Annuity Man and Branislav Nikolic discuss:  Why you should be cautious of backtested numbers  Being a smart and cautious consumer  The importance of transparency and consumer-advantage    Key Takeaways:  Backtested numbers are based on hindsight. The numbers may go flat or go down, but they will not skyrocket, as shown in the projection. Be cautious of people showing you backtested numbers. These numbers are not real; they are hypothetical.  If your agent offers market-rate returns with principal protection, ask them to detail how exactly they can do that, and when they start showing backtested numbers, dismiss them outright.  The future of annuities should be that the industry would shift to a more pro-consumer model and that clients will be able to buy direct and that they'll be able to completely understand what they are getting into.    "I go back to the word of the day, ‘caution.' I would caution against using the last ten years as an indication of a performance of any kind. Inside of annuity or outside of annuity." —  Branislav Nikolic    Connect with Branislav Nikolic: Website: https://www.cannex.com/      Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

IANR 2311 031823 Line Up Here's the guest line-up for Saturday, Mar 18, 2023 from 4 to 6 pm CST on Indo American News Radio (www.IndoAmerican-news.com), a production of Indo American News. We are on 98.7 FM and you can also listen on the masalaradio app (www.masalaradio.com) By Monday, hear the recorded show on Podcast uploaded on Spotify, Apple Podcasts (https://podcasts.apple.com/us/podcast/indo-american-news-radio-houston-tx/id1512586620 ) Google Podcasts, Pocket Casts, Radio Public and Breaker. We have four years of Podcasts and have had over 6,000 hits. SUPPORT THE SHOW!! SELECT FOLLOW ON OUR SPOTIFY PODCAST CHANNEL TO RECEIVE NEW UPDATES. AND GIVE US A 5 STAR RATING. 4:20 pm We are joined again this month by our regular guests Ash Malhotra and Salil Patil. They will be discussing Fixed Index Annuities. 5:00 pm With Houston Mayor Sylvester Turner about to retire due to term limits, we're embarking on an exciting campaign to elect a new mayor. We're now pleased to introduce a veternal political leader who has announced his candidacy -- Texas State Senator John Whitmire. Having served in the Texas legislature for 50 years, Senator Whitmire hopes to use his experience and commitment to public service to make Houston an even better place to live. 5:30 pm Indo-American Association Houston introduced its 2023 season on March 10 with "Fires of Varanasi" by the Ragamala Dance Company. IAA Board Director Radhika Day and Operations Director Shcane Monds will be here to talk about the upcoming musical events, including Shuruaat -- Beginnings by the Berklee Indian Ensemble on Friday, March 24. Also stay tuned for news the roundup, views and discussions. TO BE FEATURED ON THE SHOW, OR TO ADVERTISE, PLEASE CONTACT US AT 713-789-6397 or at indoamericannews@yahoo.com --- Support this podcast: https://podcasters.spotify.com/pod/show/indo-american-news-radio/support

  Learn more about fixed and indexed annuities, both great options for funding retirement. We compare both types of annuities, talk about interest calculation and other particulars, and how to help your clients choose between the two. Read the text version   Follow Us on Social!   Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources:   3 Things Highly Successful Annuity Agents Do Right: https://agentsurvivalguide.podbean.com/e/3-things-highly-successful-annuity-agents-do-right-%c7%80-asg026/ 3 Steps for Preparing for Retirement: https://living.medicareful.com/3-steps-for-preparing-for-retirement 5 Strategies to Boost Your Annuity Sales: https://agentsurvivalguide.podbean.com/e/5-strategies-to-boost-your-annuity-sales-%c7%80-asg028/  Funding Your Retirement: https://living.medicareful.com/funding-your-retirement Protect the Nest Egg with Fixed Index Annuities: https://www.ritterim.com/blog/protect-the-nest-egg-with-fixed-index-annuities/ Ritter Fact Finder: https://www.ritterim.com/documents/ritter-fact-finder.pdf Understanding the Details of Annuities: https://agentsurvivalguide.podbean.com/e/understanding-the-details-of-annuities/    References:   2022 Data: Americans Have Less Than Half the Recommended Retirement Savings: https://anytimeestimate.com/research/retirement-savings-2022/ FINRA Overview on Annuities: https://www.finra.org/investors/investing/investment-products/annuities Here's How Much Americans Have Saved for Retirement at Every Age: https://www.cnbc.com/2022/07/30/vanguard-how-much-americans-have-saved-for-retirement-by-age.html Emerging from the COVID-19 Pandemic: A Compendium About U.S. Workers' Retirement Outlook: https://transamericainstitute.org/docs/default-source/research/emerging-from-covid-19-pandemic-compendium-worker-retirement-outlook-report.pdf  

We've experienced a lot of market volatility this year and a tremendous rise in interest rates, and people are looking for ways for their dollar to grow to combat inflation. As people explore options for diversifying their portfolio, annuities are becoming a part of that conversation more and more.  In this episode, Laura Stover, RFC® and Darlene Tucker, CFP® will discuss the pros and cons for Fixed Index Annuities (FIA) and use a recent article by David Blanchett to do that. The FIA is a means by which an individual can participate in the gains in the market when it's going up without actually taking any market risk. And when bond yields are low, the caps on FIAs are going to be relatively low as well. But now that those caps have risen to a level that can provide a nice rate of return, more people are exploring FIAs for income. If you want to know how an annuity might fit into your income plan, join us to learn more about FIAs and the reasons why they can provide downside protection, capture some upside potential, and even provide tax deferral as we approach the end of the year.  Redefining Wealth® Custom Blueprint Income Plan: https://redefiningwealth.info/schedule/ Rate, Review and Subscribe to the Podcast: https://podcasts.apple.com/us/podcast/retirement-talk-podcast-with-laura-stover/id571347188 How to Connect: redefiningwealth.info lswealthmanagement.com Schedule a Review: https://redefiningwealth.info/schedule/   Timestamps (show notes): 2:20 – Background on our discussion today 6:05 – What is a Fixed Index Annuity 9:20 – The demand for FIAs increasing 13:33 – Properly allocating funds to annuities 20:53 – How a fiduciary will help you through this decision 24:30 – Tax deferral to end the year

In this 2-minute episode Brian discusses the use of fixed index annuities.

In this episode, The Annuity Man and Mr. FIA-X discuss:  Annuity companies do not give free money  Ways to know if you're dealing with a qualified advisor  Sales pitches that you should watch out for  Buying a product that you understand    Key Takeaways:  Upfront bonuses are candy for the stupid. There are no philanthropists in annuity offices giving out free money to clients. They'll chip away at you in different ways to recoup those dollars. They haven't been around for hundreds of years because they gave money away. If your advisor says “guarantee your principal” and “rider” in the same sentence, that disqualifies them. They are not capable or qualified to be your advisor.   Hypotheticals are hypotheticals for a reason. Zero is not your hero. There's no such thing as a hybrid annuity. When given a participation rate, ask the advisor what you're participating in.  Do not buy a product if you don't understand it, and definitely don't buy it when you can see that even the agent doesn't understand it. Simple is always better.    "I think simple is better, I also think they need to be careful when they explain all these wonderful things that the annuity can do. Just because they can do these wonderful things doesn't mean there's not a cost for it. You're paying for it somewhere. If it does this wonderful thing, it means you have something less wonderful somewhere else for them to afford that one wonderful thing." —  Mr. FIA-X   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

In this episode, The Annuity Man discussed:  Which annuity provides historically higher guarantees?  Being wary of ignorant advisors  Getting the highest payout for yourself  The choices for non-narcissists    Key Takeaways:  An income rider attached to Fixed Index Annuities historically provides higher contractual guarantees and has less fees than variable annuities. Suppose a financial advisor or anybody tells you never to buy an annuity, that all annuities are expensive or that they hate all annuities. In that case, that person doesn't know what they're talking about.  You can choose life-only if you want the highest contractual guarantee payment with an annuity. Keep in mind that you will be the only one who benefits from it and your spouse, too, if you structure it.  With income riders that are attached to Fixed Index Annuities and sometimes to Multi-Year Guaranteed Annuities, when you die, whatever's left of that accumulation value goes 100% to the beneficiaries.   "If you die, the money goes poof - that's only one of forty ways to structure annuities - and what they're talking about is life only, and life only is the narcissist pension plan. Because you're shouldering some of that risk even though you're transferring the risk to the annuity to pay you for as long as you are breathing." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

Roth IRAs, Changes in the tax code, IRAs, 10-Year Treasurys, Fixed Index Annuities, Retirement Saving Strategies, Inflation, and Investment StrategiesWinning at Life Show Contributor joins the show.Jude Heath, J Heath & Co. CPAs (10 am hour)  Caller questions include: I sent my tax return via the mail, when will I receive my refund? With the way the markets are, what do you think about fixed index annuities? For LIVE financial news talk radio, tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans -- 10 am - 1 pmWBUV-News Talk 104.9 FM  Biloxi -- 10 am - 1 pmWBRP-107.3 FM Baton Rouge -- 11 am - 1 pmSupertalk Mississippi -- 12 pm - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/

Alex Cabot and Ed Lambert of Birch Run Financial have been working in this industry for over 20 years, and they've seen a lot of interesting financial products.  Today, they take a look back at some of these investments and why they didn't work out.  The list includes:Negative Amortization MortgagesFinancial EngineeringHigh Yield Debt/Bond ProductsIlliquid and Opaque StrategiesFixed Index AnnuitiesCryptocurrencyViatical SettlementsAnd finally, totally fraudulent products and strategiesIn the end, it all boils down to common sense.  If an investment strategy appears too good to be true, promising unrealistic returns, that should give you pause.  That's why Alex and Ed believe in a long term, diversified investment strategy.  If you'd like to have a free, no-obligation conversation with them and the team at Birch Run Financial, reach out. Birch Run Website: www.birchrunfinancial.comBirch Run Financial email: info@birchrunfinancial.comBirch Run Financial Phone Number: (484) 395-2190Alex and Ed have a new book out, Mastering the Money Mind: A New Way of Thinking About Personal Finance.  You can contact them below for a copy or find it on Amazon here: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal-ebook/dp/B09YB9J315 

If you've ever wanted to know more about fixed index annuities, today's show is for you. We have a special guest who explains what they are, why they can help you, and how they offer stability and reliability.   TIMESTAMPS:  0:28 – Meet Rebecca 1:05 – Allianz 2:50 – Innovation 6:42 – Index thought capability 9:43 – Volatility-controlled indexes 13:00 – No additional fees   MORE INFORMATION:  https://www.cornerstonevegas.com/cornerstone-retirement-podcast/

Mortgage Rates, Car Prices, 10-Year Treasurys, New Home Sales, Fixed Index Annuities, Retirement Saving Strategies, Inflation, and Investment StrategiesWinning at Life Show Contributor joins the show.Dwayne Stein, Motgage Gumbo (10am hour) Wes Blanchard joins Gregory for the 12th-anniversary show! Tune in to the show to listen to Gregory and Wes discuss succession, wills, and trust and how getting those set up may positively affect your retirement.  Caller questions include: What are the best moves you can do when the housing market is so inflated?  Do we need to do a will? For LIVE financial news talk radio, tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans -- 10 am - 1 pmWBUV-News Talk 104.9 FM  Biloxi -- 10 am - 1 pmWBRP-107.3 FM Baton Rouge -- 11 am - 1 pmSupertalk Mississippi -- 12 pm - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/

How does Social Security work for self-employed small business owners? Is there a solo 401(k) that allows after-tax contributions? How much cold, hard cash should you keep on hand? Why do advisors suggest buying a fixed indexed annuity, and how do qualified charitable distributions work? Finally, is it a good idea to pre-pay the mortgage on a real estate investment, and how do you calculate the tax on a home you inherited? Show notes, free financial resources, Ask Joe & Al On Air: https://bizlink.to/ymyw-376

Jim and Chris discuss listener questions relating to Social Security, fixed index annuities, Roth rollovers, and inherited annuities. (4:30) Georgette looks to follow-up on a question asked in Q&A #2215 regarding the forfeiture of SSA funds if an individual dies prior to claiming. (12:30) George from California looks for opinions and advice on fixed index […] The post Social Security, Fixed Index Annuities, Rollovers, and Inherited Annuities: Q&A #2216 appeared first on The Retirement and IRA Show.

Mortgages, Fixed Index Annuities, Flood Insurance, 401k, and Investing StrategiesWinning at Life Show Contributor join the show.Dwayne Stein with Mortgage Gumbo (10am hour) Brandon Bergeron a Wealth Advisor with Gregory Ricks & Associates Gregory and Dwayne talk about how the shortage of homes can affect the housing market. Caller questions include: Pay off mortage or invest more? Retirement investing  Buy Home at age 75?  Flood Insurance questions 

Smart Money Radio with Casey Marx - 2.5.22This week on Smart Money Radio with Casey Marx we talked about:-Fixed Index Annuities-No Losses-Sledding Analogy-Purpose of MoneyClick Here to Learn More @ CrownHaven.com

Dave Alison and Kalem Mackey of C2P Enterprises discuss utilizing a fixed index annuity as a bond alternative and its ability to help derive efficient income, eliminate the sequence of returns risk and to protect the income that retirees need. Learn how to bring fixed index annuities into your clients' financial plan today!

Founder of 360 Family Office, Tim Brown, is interviewed by DPL's Kameron McRay on how he uses Fixed Index Annuities (FIA's) as a Fixed Income Allocation. Tim digs deeper into utilizing this Commission-Free solution for clients, how it brings them peace of mind, and other benefits FIA's can provide for retirement income.

Learn about the ins and outs of a specific financial instrument: the fixed index annuity.   Contact Mark: 888-515-GROW ProtectAndGrowMoney.com

Fixed Index Annuities

Fixed Index Annuities

Fixed Index Annuities

Sales of Fixed Indexed Annuities (FIAs) are in the billions. So, obviously these products are resonating with some folks. For them to resonate with you please understand these things. 1. Fixed Index Annuities will most likely give you BOND-like performance, not stock-like performance. If a sales guy is selling you on the concept of stock-like performance with no risk, please run, don't walk but RUN, away. In this video I show you research by Roger Ibbotson, who is in favor of these products, what he says FIAs will most likely do. Again, BOND-like, not stock like performance. 2. If a naysayer on annuities is saying he doesnt' like them because the fees are so high, ask him how much he gets paid...in dollars, not percentages. Weird how some compare 1 product against another by only showing the fees on the one but NOT the other. 3. FIAs can provide you with guaranteed income with NO market loss. This is a fact for many of the products. If this is important to you, there is nothing wrong with that. But remember for those guarantees you will sacrifice upside performance. There simply is no two ways around that. However, if that protection helps you achieve peace of mind, there is NOTHING wrong in the least with considering one of these products. https://dta0yqvfnusiq.cloudfront.net/commo93759149/2018/02/Ibbotson-White-Paper-5a78d2dea0f40.pdf http://money.com/money/5382994/fixed-indexed-annuities/ ================================ If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the video to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 My Amazon Product page: https://www.amazon.com/shop/heritagewealthplanning Anything you buy there Amazon pays me a commission. Much appreciated! If you received value from this video and/or channel, and want to say thanks, feel free to send a donation via Paypal. I'm not too proud to ask! https://bit.ly/2Gq1QsE Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: ALL are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 State by State Tax Guide For Retirees: https://amzn.to/2A1TmkH GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910 --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support