MYGA Fixed Rate Annuities
Current Rates As High As
2.35%
3 YR 
3.15%
5 YR 
3.20%
7 YR 
3.25%
10 YR
WHAT YOU NEED TO KNOW ABOUT ANNUITIES

How Much Money Do You Need to Buy an Annuity?

Oct 18, 2021

What we're going to talk about today is how much money you need from the standpoint of minimums and how the annuity industry looks upon that question from a legal standpoint.


Your 4 Choices at the End of a MYGA Term

Oct 14, 2021

So what are your four choices at the end of your MYGA term? Make sure you know your options so you can make the best decision for your specific situation. Let’s go.


Lifetime Income Benefit Rider Vs. Annuitization

So you're looking for income, and you want to know the difference between a lifetime income benefit rider and what's called annuitization.


Questions to Ask Your Annuity Salesperson

Today we're talking about annuity comparisons, QLACs, Qualified Longevity Annuity Contracts, versus DIAs, Deferred Income Annuities.


Knowing the Difference Between DIAs vs QLACs

Oct 4, 2021

Today we're talking about annuity comparisons, QLACs, Qualified Longevity Annuity Contracts, versus DIAs, Deferred Income Annuities.


Unique Benefits That Annuities Offer

Today, we're going to talk about the benefits that only annuities offer, and there's two unique benefits that we're going to talk about and go into detail and why it matters and why I think it's important as you consider an annuity in your portfolio.


How Much Tax Do You Pay on an Annuity

Sep 27, 2021

How much tax do you pay on an annuity? To understand all of this we must cover the types of accounts you can have annuities in, that's a big determinant of the taxes, and how the tax is calculated.


How to Find the Highest MYGA Rates

Sep 23, 2021

So you're shopping for the highest MYGA rates? Let's talk about how to find the best and highest MYGA rates because that's how you need to look at them.


QLACs: How to Use IRA Money for Lifetime Income

Sep 20, 2021

Today let’s talk about QLACs, how to use IRA money for lifetime income, how that all sets up, why QLACS are even on the planet, and if it might be a fit for you.


How the Economy Affects Annuity Rates

The question is, how does the economy affect annuity rates? That's a fundamental question to a very detailed answer because annuities are not all the same.


The topic of the day, MYGA secrets.

Sep 13, 2021

So if you're not familiar with MYGAs, let me go through it quickly. Multi-year guarantee annuity, that's what MYGA stands for.


How To Shop For Annuities

Shopping annuities can be tricky when you don’t know what to look for. With all the choices it’s important to find the one that works best for you.


How Annuity Companies Make Money

So, annuity companies, how do they make money? There's a reason that annuity companies have significant buildings and that they do very, very well. Why? It's because they know when we're going to die.


Digging Into the Exclusion Ratio for SPIAs

So you’re looking into exclusion ratios for immediate annuities, SPIAs, also known as Single Premium Immediate Annuities.


Are Annuities FDIC Insured?

The question you have asked, which I'm going to answer quickly, is, “are annuities FDIC insured?”


What Does the Maturity Date on an Annuity Mean?

What does the maturity day on an annuity mean? Great question. Why do companies put maturity dates on policies?


What Is a Cost Basis on an Annuity?

So what is a cost basis on an annuity? I'm going to talk about the cost basis of all different types of annuities.


Laddering Investments: Annuity Ladder Principal Protection

We're going to talk about laddering investments and protecting your principal all at the same time.


3 Tips To Financially Care For Your Loved Ones

Aug 16, 2021

So all of us want to take care of our loved ones financially. I mean, that's a goal.


What Happens to Annuities if Insurance Companies Fail?

What happens when your annuity provider goes bust? Can you lose money in your annuity?


Managing Cash Flow In Retirement: SPIAs

Okay, so let's talk about single premium immediate annuity's acronym, SPIA, S-P-I-A.


Is An Annuity A Good Investment For An Elderly Person

So, is an annuity a good investment for an older person, a retiree, a senior citizen, a World War II generation? This is a big-time serious topic.


Is An Annuity Affected By The Stock Market

The stock market and annuities are giant topics, and some are affected by the stock market, and some aren't.


Why Not to Buy an Annuity: Top 5 Reasons

The five reasons not to buy an annuity. Really? Yeah. Not everybody needs an annuity.


How To Know if Your Annuity Is Qualified

Jul 26, 2021

Let’s start by explaining what a qualified annuity is exactly. It's an annuity where you've used funds that has not been taxed like your traditional IRA, which leads me to a little bit of a rant.


Why Renewal Rates Are the Secret to FIAs

Today's topic is a good one. How renewal rates are the secret sauce, the secret formula, the secret to fixed indexed annuities.


What Are The Disadvantages Of Investing In An Annuity

As I’ve said before, you just can't say annuity because there's many annuity types, so it really comes down to the type of annuity that you either own or you're considering owning.


How To Get Out Of A Fixed Annuity

So the question is, how to get out of a fixed annuity? The easy answer is to die, but that's not a very good strategy and undoubtedly not replicable.


How To Use Annuities To Strengthen Your Portfolio

A question I get asked often is, what percentage of your portfolio should be in annuities? Really good question but there are no perfect answers.


Pensions and Annuities: What You Need To Know

So the question is, what's the difference between a pension and an annuity? Is a pension the same as an annuity?


How To Get The Most Of Your Inherited Annuity

A lot of people are calling me because they've inherited an annuity. Let’s cover some of the recent laws that affect inherited annuities and what you need to know so you can make an informed decision on your terms and on your timeframe.


Maximizing Your Investments With Fixed Indexed Annuities

“Got guarantees?” should be the annuity industry's mantra to words because that's what they are. They're contractual guarantees. They're transfer of risk products, period.


The Fundamental Questions When Comparing Pension Annuities vs. a Lump Sum

Make sure you're getting the most out of your retirement and not falling into the common traps of the industry. Here are some key things to look for when comparing Pension Annuities vs. Lump Sums.


Retirement Income Planning Starts with a Guaranteed Income Floor

Jun 24, 2021

Are you tired of being fed Retirement Income advice with underlying annuity sales pitches? Let us walk you through what to look for to create a retirement plan that works the best for your specific situation.


A Longevity Annuity Means Never Outliving Your Money

Let us help you make sure you master all the details of your longevity annuity so you can decide if they will be an asset to your specific retirement plan.


Independent Annuity Advice With No Sales Pitches

Are you tired of being fed annuity advice with underlying sales pitches? Let us walk you through what to look for to create a retirement plan that works the best for your specific situation.



Mastering Your Pension Plan

A pension plan is an annuity payment that guarantees a lifetime income stream. Now, it depends on your employer, how they work and how they've set things up, whether you can add your spouse or partner to that lifetime income stream.


Creating A Master Plan For Your Inherited Annuity

There are many misconceptions concerning Inherited Annuities. Make sure you’re informed enough to avoid making costly mistakes.


How To Master Deferred Income Annuities

Do you know what makes a Deferred Income Annuity different? Let us guide you through what you should know, so you don’t let confusion get in the way of your retirement plans.


Are You Keeping Up With The Average Retirement Income?

May 31, 2021

Don’t let life catch up to you too fast. Let us help you make sure your retirement savings plan is prepared so your income can be the way you want it, without any hidden surprises.


How To Supersize Your Annuity Income

May 27, 2021

Make sure you're getting the most out of your annuity income and not falling into the common traps of the industry, with these few simple things to focus on.


Annuity Age Restriction - How Young Is Too Young

Don’t fall for the annuity industry’s generalized advice. Let me explain what information you need to make the best decision for your specific situation.


How to Set Up Your Annuity Death Benefits The Right Way

There is no one-size-fits-all answer, and what’s right for you is based on your specific retirement planning needs.


Annuities In A Trust: How Does It Work?

May 17, 2021

When looking into putting an annuity into a trust, make sure you are informed enough to avoid the bombshells and set yourself up for success.


401K Annuity: How It Fits With Your Retirement Plans

There are many common misconceptions about the relationship between Annuities and 401ks.


Common Questions Answered about Inherited Annuities

Almost everyone wants to make sure their loved ones are taken care of. So how does an inherited annuity do just that?


Annuity vs. Stock Market - Which is Better?

Believe it or not, I still get this question all the time. Only you know the right answer for your retirement planning.


Is a Pension Plan Just a Good ‘Ole Annuity?

Yep. A pension plan is an annuity payment that guarantees a lifetime income stream. Now, it depends on your employer and how they've set things up.


Retirement Annuity: What Is the Best?

The annuity industry has done a poor job educating the public on the history of the product dating back to the Roman Times, and the unique benefit proposition that only annuities can provide.


Types of Annuities: What Are The Best?

What is the best type of annuity? That’s a good question. But in the annuity world, there are no perfect answers, just bad sales pitches.


Transfer 401k to Annuity: Should You?

With over 10,000 baby boomers reaching retirement age every single day, many of these retiring workers are asking questions like “Can I move my 401k without penalty?” and “Should I transfer my 401k to an annuity.”


Retirement Annuity: Do You Need One?

Apr 19, 2021

Approaching retirement? Have you considered your options? Let me help you out with that. Read this blong and give me a call we'll get it figured out.


Lifetime Income: How Does It Work?

Apr 15, 2021

Lifetime income sounds pretty nice if you ask me. Of course there's always more to it than how it sounds. All is explained here.


Immediate Annuity Rates: Defer to SPIA Strategy

Apr 12, 2021

It’s kind of sad that the annuity category is experiencing somewhat of a renaissance during this Coronavirus crisis.


Deferred Income Annuity: How Does It Work?

Deferred Income Annuities (DIAs) are continuing to grow in popularity because they are a personal pension plan with you determining when the payments start.


What Are Annuities Currently Paying?

No one wants to be scammed. Especially when it involves getting paid. Knowing what annuities are currently paying ease those thoughts.


Coronavirus Economy | Using Fear To Sell Annuities

Coronavirus is impacting the economy so much. Because of that some agents are using that fear to get you to buy something you don't need. Call me and I'll clear things up.


Annuity Income Rider: How Do They Work?

Annuity income riders have special rules. Rules that are explained in great detail in this blog. Check it out and grab the books while you're at it.


Annuity Scams: Beware of Perfect Answers

No one likes scams, especially annuity scams. The scammers are just trying to steal your money. I won't let that happen. Let me help and book a call.


Pension Fund vs Retirement Annuity

Mar 22, 2021

I'm sure you've heard of a pension fund. Well what if I told you how the benefits of a pension and even better a retirement annuity.


Longevity Annuity: What Is It?

Longevity annuties are something to keep in mind when shopping for your retirement plans. Of course I've got all the info on the matter.


Immediate Annuity Rates: Defer to SPIA Strategy

Mar 15, 2021

Immediate annuity rates. Sound familiar? No? Then make yourself familiar because they could really help you out. Book a call while you're here.


Retirement Annuity Calculator: How Does It Work?

People love knowing their rates so they have the best contractual guarantee. Using a retirement annuity calculator is perfect for those kind of people.


How to Build an Annuity Ladder

Annuity ladders. No they aren't for climbing, but like a real ladder to get to unreachable places, they also have benefits. Reach your retirement goals here.


What Is A Fixed Index Annuity

Fixed index annuities are hot commadities, but there's still some infor you probably don't know. Check it out and book a call while you're at it.


Annuitization: How Does It Work?

Annuitization. Have you hear of that before? No? Well allow me to explain if great detail exactly what you need to know about it.


Annuity Income Rider | What Is It?

Annuity income riders. What are they? Do I need one? How do they work? All good questions, and I have all the answers. Book a call!


Immediate Annuity: How Does It Work?

Feb 22, 2021

Immediate annuities are great if you're looking for instant income. To see if one is right for you have a quick read right here and help yourself to free books.


IRA Annuity: Should Annuities Be Used With IRAs

IRA annuity, sounds interesting right? Well if that's interesting just wait to you find out what it does. Book a call with me and I'll tell you even more.


Principal Preservation Are You At That Stage

There are many stages of retirement and one of those is principal preservation. To know if you're at that stage simply read this blog.


What is a 1035 Exchange Transfer with Annuities

You may or may not have heard of a 1035 exchange. If not, don't worry, that's what I'm here for. No need to ask, I've got all the answers.


Retirement Income Strategies Using Annuities

To plan is to have strategies. Retirement income is the best place to use strategies. Allow me to share with you the best strategies I know.


Coronavirus Economy | Determine If You Need An Annuity

Annuities aren't for everyone. With Coronavirus the economy is getting hurt and there's no reason to hurt your bank also. I'll help.


Annuity Death Benefits | How Do They Work?

One wonderful annuity benefit is for your loved ones after you pass. Understanding the annuity death benefits is important to get the best bang for your buck.


Annuity Calculator | Best Ways To Use It

Annuity calculators are the easiest way to find your best contractual guarantee for your situation. I'll show you how it's done right here.


Annuities and Inflation Contractual Facts Matter

Along with understanding the benefits of annuities you must also understand the inflation with annuities. Get the best for you.


Retirement Annuity Plan | Do You Have One?

Jan 21, 2021

Are you already planning for retirement, but feel stuck as to what do next? Here's a step by step so you can get everything you've earned.


Inherited Annuity | What are my choices?

Inheriting an annuity can be confusing, especially when you know nothing about annuities. Let me help with that. Book a call and read this blog.


Guaranteed Annuity | Will do. Not might do

Knowing the guarantees of annuities is a lifesaver when you're looking for contractual income support. Get the books to find out more!


Are Annuities Safe Right Now?

"Are annuitites safe" is a question I hear far too often. The stigma with annuities makes it hard for people to believe that they are! Book a call to find out


Annuity Interest Rates – How It Affects Pricing

A hot topic right now is Annuity Interest Rates. The basics of annuities are one thing but no one likes money mistakes. Read this to clear up any questions!


Annuity Transfer | What You Need To Know

You may have heard of Annuity Transfers but need a bit more information. What are they? How do they benefit me? Read and find out. And of course, book a call!


Annuities and the Stock Market

With the pandemic, the stock market seems to be having some issues. Makes you wonder about other options...like annuities. Check out our calculators!


Annuity Income | What Is The Best Strategy?

Dec 28, 2020

Strategy is important especially in situations with money. Annuity income needs to be talked about and understood to make the best decisions. Book a call!


Annuity Death Benefits | How Are They Paid Out?

Dec 24, 2020

Annuity Death Benefits are a crucial thing to know before buying an annuity. Knowing all your options so you make the best decision for your specific situation.


2 Annuity Benefits You Need to Know About

Dec 21, 2020

Annuity benefits are a good thing to know. Knowing what your benefits are will help you decide if you need an annuity. Try out the calculators!


Top 10 Annuity Videos of 2020

Dec 18, 2020

It’s the end of the year and time for a quick look back on all the annuity video awesomeness we’ve been cranking out on our YouTube channel.


Annuities Can Create Your Personal Pension

Dec 17, 2020

If you're lucky to have a Personal Pension you may not have worries about income. If not, you may be curious what to do for further income needs. Find out here!


Annuity Cost | How Much Should You Spend?

Annuity costs making you second guess getting an annuity? There are different types of annuities and we'll help you find what fits for your specific situation!


Annuity Fees | What To Expect

Annuity Fees are an important topic to know when looking into getting an annuity. How much will it be, do they keep the money when you die? All valid questions.


Purchase Annuity | Can You Time It?

Purchasing an Annuity can be tricky, especially when your main focus is on something impossible...timing the purchase. It's all broken down here!


Annuity Products | SPIA is a DIA is a QLAC

There are many annuity products, and understanding which one fits best with your specific situation is an important step to your retirement plan. Book a call!


Annuity vs Life Insurance | Which Is Better?

Nov 30, 2020

Annuity vs Life Insurance can be a hot topic. Which is contractually better for your specific situation? Get the books and read this article to clear it all up!


Top 7 MYGA Videos Packaged Up and Served Up

Nov 26, 2020

In your search of the best annuity to get, you may have stumbled upon multi-year guaranteed annuity (MYGA for short). But what is it? How does it differ from bank certificate deposits? In this video, I tell you all there is to know about MYGA before taking the leap.


MYGA The CD Annuity

Nov 25, 2020

A MYGA is a popular product in the annuity world. It's similar to what you may know as a CD. In this blog I'll explain exactly how and how it may work for you!


Lifetime Income Annuity | What Is Backstopping?

Nov 23, 2020

Everyone loves a good strategy and when it comes to lifetime income annuities strategizing is the way to go. Understand what strategies work best here.


401k Annuity | What is it?

Many people know what a 401k is, and I'm sure they also know what an annuity is. But how about a 401k annuity? Not sure? This blog will break it all down!


Annuity Companies | Do They Keep The Money When You Die?

Nov 16, 2020

Interested in annuity companies but not sure you want to take part in fear of losing your money? This article answers all your worries so you can make the right decision for you.


Long Term Care Annuity | 3 Ways They Work

Nov 12, 2020

Long term care annuities are the key for anyone looking for financial support. This blog breaks down 3 ways they work and how they'll work for you. Book a call!


Current Annuity Rates and Annuity Pricing

Ever wondered the current annuity rates? What about annuity pricing? Well if the answer is yes you've come to the right blog. Get the books for more info!


Why Democrats Love Annuities

Nov 6, 2020

The blue states. Why do annuities fit into the mantra of Democrats? Democrats are passionate and it’s spilling over into the streets. Democrats and Republicans have common ground on more things than not and maybe annuities can show us where we agree on things.


Why Republicans Love Annuities

Nov 6, 2020

Let’s take a look at why Republicans love annuities. We each have our own opinion when it comes to politics, but no matter if you're a Republican or a Democrat, there are reasons to love annuities and believe it or not, some common ground.


Annuity Income | Do You Lose Control Of The Money?

Losing control of money can be a scary topic. Especially when it's a large sum and is going to a large company. Fears aside, let's stick to the facts!


Annuity Age Restriciton | Too Old or Too Young

Annuity age restrictions should be one of the first things you search for. Are you too old? Are you too young? Find out so you don't make any mistakes.


Increase Your Retirement Income With Annuities

Oct 29, 2020

Are you coming into retirement? Need help with income? Increase your retirment income with annuities! Find your contractual guarantee and book a call.


Is Social Security an Annuity?

Oct 26, 2020

You probably love your Social Security payments. Have you wondered if it's enough? Not sure if you need the help from an annuity? Check out the calculators!


Does a Fixed Index Annuity get Market Returns?

Oct 21, 2020

I am licensed in all 50 states and I get a ton of calls from across the country full of questions, one being, “Are Fixed Indexed Annuities a good investment, and do they get stock market returns?”


Annuity vs. 401k | How Both Can Work for You

Oct 19, 2020

Retirement worries for many Americans are front and center especially those looking to live their golden years with dignity and have the needed income guarantees in place.


Lifetime Income and The Secure Act

Oct 12, 2020

The Secure Act (aka The Secure Retirement Act) was signed into law on December 20th, 2019. The primary government intention was to encourage Americans to start planning for their own retirement income needs.


The Do’s and Don'ts of Taking a 1035 Exchange for a Test Drive

There's only one reason that someone would 1035 exchange their policy. It's if the policy that they're going into is better contractually than the one that they're leaving. It's that simple.


What is a MYGA and When You Should Lock or Ladder

Oct 5, 2020

You may want to buy a MYGA if you're looking to protect your principal, not pay any fees annually, there are no moving parts, there are no market attachments, you're just going to get an interest rate contractually for the specific period that you choose.


Pension Annuity vs. Lump Sum: Buy What You Need Not What Someone is Sellin’

Sep 30, 2020

There are over 10,000 baby boomers reaching retirement age every single day, and many are faced with the decision to take a lump-sum dollar amount or an annuity payment from their employer.


Fixed Index Annuity Are They a Good Investment?

Aug 29, 2020

Since I am licensed in all 50 states, I get a ton of calls from across the country with the following question, “Are Fixed Indexed Annuities a good investment and do they really get stock market returns?


Financial Advice for Seniors About Annuities

Aug 29, 2020

Over 10,000 Baby Boomers are retiring every single day and millions more already enjoying their retirement years. Because of this, older adults are too often the targets of annuity salespeople.