Strategies that have “caps” can often times limit the amount of growth you could potentially earn. Our licensed annuity experts will educate you on all the different types of annuities out there, and how to find the right fit for you. We will also help you shop so you do not get ripped off or victimized by other smoke and mirror sale tactics. Yes, so long as I feel the integrity of the product or service is worthy of showing to my readers. If you’d like to talk advertising, hit me up on Twitter, my DMs are open.
Don’t view this game as a zero-sum activity (I only scratch your back if you scratch mine). Put good things out there, help people with no expectation of return, and the byproduct is goodwill, friendships, and opportunities you might never have imagined. It is important to select the strategy that gives you the most upside potential.
We design solutions for our clients looking to preserve their retirement assets, while still earning credited growth in the stock market with zero market risk. He has appeared on several of the areas top radio and television news shows as a recognized leader in the fields of investments and retirement planning. In addition, he lectured on a regular basis to executives and employees of many of the major corporations in the Dallas / Fort Worth Metroplex.
All of our agents are licensed in the state of Texas, and have satisfied the required product training for products offered. If you are looking for fixed rates much like a CD, then Fixed Annuities may be right for you. Many Fixed Annuities currently provide annual rates of 2-4%, which beat most CDs.
The reviews are not indicative, nor do they guarantee future financial success. These riders can provide certain guarantees that may be needed to achieve your specific strategy goals, but make sure you really need them before agreeing to pay for them. We can share a little known strategy that investors are starting to take advantage of converting your 401k or IRAs into future tax-free income if you qualify.
Most annuities allow you to withdraw up to 10% of your money each year for personal income or to satisfy your RMD without a free. This is called “free withdrawals.” Be aware of your annuities surrender fee time-frame and percentages prior to investing. This is something that took me a few years to answer for myself. Investment Talk is where I write articles about the stock market, the companies within it, and human behaviour. I focus on writing about what I find interesting, in a way that will be both enjoyable and informative to the reader. If you are looking for stock picks or advice, then this isn’t the newsletter for you.
With over 43 years of experience, I have a team formed of industry-leading retirement experts. Our experts left big-box investment firms to form a company where they can be free from forcing products and fees on their clients, and focus on researching the best annuity strategies. We DO NOT charge fees, and consultations are always FREE. If we help find you the right annuities, we get paid directly from the chosen insurance company.
I had been fascinated by how money and businesses work since a young age, and this transgressed into a love affair with investing. To me, the investment landscape is a living-breathing study of human behaviour, and it’s what I am passionate about. Once Investment Talk began building steam in 2020, I left my role as a data jockey at an investment reporting solutions company and focussed on the newsletter full-time. This was possible due to being selected for the Substack Pro program. Here is a memo I wrote in March reflecting on my first three years.
Think of your fixed index annuity as having two buckets. The “accumulation value” bucket is your real money. This is the account value that will grow with the investment strategy and decrease whenever you withdraw money. In most cases, this value is what you will leave to your beneficiaries when you pass. Fixed index annuities provide principle protection with potential for growth. Your growth is tied to whatever crediting strategy you are invested within the annuity product you choose.
That picture I shared at the beginning of this page? That’s what I enjoy most about writing Investment Talk. Over the years I have been able to talk to investors I’d never dreamed of talking to before; investmentalk.com fund managers, tenured professionals, and other analysts. I’ve also been able to connect with hundreds of fellow retail investors, share ideas, make genuine friends, and learn from them.
Truth be told, while there are platforms with greater product depth than Substack, I find that it does everything I need and I am content with it for the time being.
I have worked since the age of 14, spent five years as a student of economics, and have served in various roles across the fintech and start-up landscape. I am currently a product manager and head of partnerships at Koyfin, and have been writing consistently since 2020. Investment Talk was my first newsletter, and I later started writing NTS. Please note that the examples herein are neither company nor product specific.
That was the reason I created a Twitter account in the first place; to expand my social circle as it relates to investing. When I was travelling to Paris with my partner, I shared a picture of the Eiffel Tower and received a message from Leandro to the effect of “I’m flying into Paris tomorrow”. We arranged to meet in person for the first time, after having chatted for hours previously on Zoom and in direct messages. My partner and I, as well as Leandro and a few of his close friends all met, had lunch, drank beer, and had a terrific time. It’s wonderfully random moments like that which make me enjoy life so much, and the newsletter facilitates things like that. Sometime during my studies, I realised that I while I love economics, it wasn’t a career path for me.
Our licensed annuity experts will compare your old annuities to see how they compare with new products, and if it makes sense for you to stay put or make a change. I don’t optimise for Twitter growth, but it was a pivotal factor in building my newsletter audience early on. Today, I rely more on recommendations and sharing from my existing network of readers. There are people who really know how to lubricate the Twitter engine. The writing game is full of many wonderful people. Ask them for advice, and feedback, and be open to helping them in any way you can.
I originally started writing about my own portfolio, companies and their reported earnings. There are so many investment research, cryptocurrency guides finance, or money blogs out there. The best ones are those where the readers are there to hear what you have to say.
If you are looking for alpha, then let me know if you find any, because I am too. Almost all annuities have a surrender fee schedule. This means that instead of paying an upfront fee or load when you invest, you will only be charged a fee if you pull your money out before the initial 10 years. These bonuses do not equal real dollars being instantly added to your account value. While they can serve a purpose for certain annuity strategies, be wary of any agents that use bonuses in their sales presentation to you.
Elsewhere, I am immensely passionate about investing, cooking, and travelling. If you chose to purchase an income rider then you will have a “second bucket” called future income value. This value is a calculation based on your accumulation value growing at a certain rate provided by your income rider. As this value grows, so will the future monthly income dollar amount that the insurance company agrees to pay you and spouse (if joint income rider) for life. In some ways similar to how social security payouts work.