We were recently asked why we believe that an annuity can help with your retirement strategy. Three reasons come readily to mind. The first reason is that they can be used as asset protection. Fixed annuities, for example, are safer for your money than volatile investment options. The second reason is the possibility of a […]
An annuity is a financial product designed to provide a regular, guaranteed income stream (backed by the claims-paying ability of the carrier) over a specified period or for the rest of a person’s life. Essentially, it’s a contract between you and an insurance company in which you make a lump-sum payment called a premium. In
According to many experts, knowing your cash flow is the most important piece of information you will need in order to tell if you are not only living within your means, but if you have financial stability. Financial stability in retirement becomes increasingly important the older you get. The reason for that is as we
Financial Stability Read More »
Annuities are one way to leverage a sudden influx of cash that may or may not have been expected, such as a bonus, inheritance, or sale of a small asset you had never factored into your financial profile. The reason they can be leveraged is because, unlike traditional tax-advantaged retirement or ‘qualified’ accounts, annuities have
A Sudden Influx of Cash? Read More »
We’ve been asked what a variable annuity and a fixed annuity are. What are the differences between them? Essentially: A variable annuity’s value is based on the performance of a portfolio of sub-accounts; it offers the opportunity for higher returns and greater income than a fixed annuity, but there’s also a risk that the account
Types of Annuities: A Rundown Read More »
According to LIMRA, annuity sales are on the rise yet again this year, after also breaking records last year. Investors building their retirement strategy looking to mitigate some risk have chosen to lock-in annuities–How smart is this choice? Well, there’s definitely a reason they’ve been selling recently. Reach out to us to learn more about
The average age at which one buys an annuity is their early 60s, with the majority of annuities purchased by individuals between ages 55–70. According to Oxford Economics, the U.S. population aged 65 and up is expected to grow by more than 8.3 million from 2022 to 2027, and so the number of individuals buying
When to Buy an Annuity? Read More »
Take the first step to protect yourself. The pandemic has created a lot of unexpected events, has impacted the markets, and has caused each of us to adapt to the changes. Now is a good time to review how your needs may have changed and what you’ll need to adjust in the future. To get
Retirement Road Map Read More »
This week’s article includes 4 ways for us to prepare and save enough to retire in 10 years. But we have the 5th idea, not mentioned in this article! As you accumulate savings meant to carry you through retirement (alongside your social security), we suggest putting some or all of those savings into a place
This week’s article provides an easy answer to the question ‘What is an Indexed Annuity?’ “An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. It differs from fixed annuities, which pay a fixed rate of interest,
What is an Indexed Annuity? Read More »
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By contacting Infinite Insurance & Financial Services, Inc. CA Ins Lic# 0G09901, Serenity Rodarte CA Ins Lic# 0F89624, you may be offered information regarding the purchase of insurance products, including fixed index annuities and life.