Category Archives: Annuities

Optimize Deferred Income Annuity Pre- and Post-Income Start Date Payout

Optimize Deferred Income Annuity Pre- and Post-Income Start Date Payout

Deferred income annuities, or DIAs, are one of the two types of deferred fixed income annuities sold by life insurance companies, the other being fixed index annuities, or FIAs, with income riders. DIAs are the simpler of the two products to understand and are often the most suitable choice in many situations. A DIA is…

It’s a Good Time to Own a FIA with an Income Rider

It’s a Good Time to Own a FIA with an Income Rider

Although the Dow Jones Industrial Average (DJIA), with its close of 16,472 on Friday, is up 1,000 points from its August 24th low of 15,370, it’s still down almost 2,000 points, or 10%, from its May 19th high of 18,351. Putting things in perspective, a 10% decline is an overdue correction given the fact that…

Don’t Defer Your QLAC Purchase

Don’t Defer Your QLAC Purchase

I was recently asked by CNBC personal finance writer Tom Anderson, who was writing a story on qualified longevity annuity contracts, or QLACs, “What are the biggest mistakes clients make when buying QLACs?” My answer, which was quoted in Tom’s September 9th An Option for Those Who Fear Outliving Their Money article, was not purchasing a…

Looking for a Deferred Fixed Income Annuity on Steroids?

Looking for a Deferred Fixed Income Annuity on Steroids?

For individuals concerned about longevity who are looking for a sustainable source of income they can’t outlive, fixed income annuities are an appropriate solution for a portion of a retirement income plan.

Looking for a Pension with a Flexible Start Date?

Looking for a Pension with a Flexible Start Date?

If you want peace of mind when you retire, you need to have a plan that will generate sustainable income streams that will cover most of your fixed and discretionary expenses.

Is a QLAC Right for You?

Is a QLAC Right for You?

Given the fact that opportunities to reduce RMDs and associated income tax liability are limited, QLACs are an attractive alternative.

QLACs are Here

QLACs are Here

Since the Treasury and IRS finalized a regulation in the beginning of July blessing the use of qualified longevity annuity contracts, or “QLAC’s,” a lot of people have been wondering when and where they can buy one.

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