FIXED INDEX. Do not buy INDEX. Buy Fixed only Again, a FIXED annuity is like a CD with NO market risk.

Dentists and Veterinarians care about $ more than the patients

I got the feeling this would sound so much better as an interview if it was done in cantonese.

Finally a KZbinr who understands the tax benefit of taking social security early versus pulling it from your Traditional IRA.

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so in your example, you lose those 5 months of ss as over income limit, but you get that back at FRA and really don't lose any money but you are stuck with that lower ss benefit for remainder of lifetime correct?

Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

I wish you used lower amounts....like 50k 100k. All of these clips always use 500k...what about those who have 250-300k like me?

Is a differed variable annuity with a life time income rider and a death benefit rider considered a 'Hybrid pension'?

Is a differed variable annuity with a life time income rider and death benefit rider considered a Hybrid pension?

Is a variable deferred annuity with a life time income rider and a death rider considered a 'Hybrid pension"?

Thank you for this video. Very informative and easy to understand. I didn't fully understand annuities until I seen this on youtube. I have also seen Stan the Annuity man youtube videos.

Ha gang it's very still f...confusing you Two do this every day and know both sides and please tell your viewers you change the annuity rules each yr 😮 I got more from Stan the Annuity man I one video than you garden to day 😮

Great info -- however can you put together an excel model to analyze the Jackson Perspective II /w Flex DB?

I'm not sure if a RILA is a hybrid pension or not. Terminology used for these products takes some time to learn. I have been studying RILAS and they do have some fees. One in particular was 1.25% plan cost fee and a .70% income benefit rider fee, 1.25% + .70%=1.95% total. Uncapped, with 130% participation rate and a 10% index loss buffer. These new types of annuities get quite confusing and seem to be intentionally complex. I appreciate your channel to help weed out some of the confusion.

What do you think about Annuities that offer a bonus signon...like $30k less tax?

Yours guys are not talking,if the person retire at 62 & continue working,the amount of ss increase

I meet my fra on May 2025. I will apply june 1st for my ss. Between January and May will that income from my job be considered income?

I think your videos are very informative. I hope I didn’t make the same mistakes with the purchase of three fix index annuities. Mind if I contact you

very informative and educational. this video is well presented! thanks for sharing !

June 2021 - June 2024 ZERO GAIN Nationwide JP Morgan Mozaic 2 NYSE ZEBRA - 1.2% Did we go through the great depression and I missed it?

Thanks for all your videos! Your explanation of FIAs (this vid as well as your others) has helped a lot. For my specific situation, I'm convinced that I'll just continue option trading from my retirement accounts. By no means is this advisable for everyone, as it comes with greater risk and requires a certain mindset. For many, third party managed trading will work best. You have given great information for both sides, IMHO. I'm looking forward to your next presentation about all the whopping 2024 Medicare increases.

I'm single, 72 and have group LTC since I was 50. It is the most important component in my life and financial planning toolkit to be able to take care of MYSELF as I age.

I like my two 5 year, fixed index annuities and my 5 cd ladder. I like them because I lost 50,000 dollars in 2008. I had some tell me I didn't lose any because I didn't draw off of it. But it took 2 years to get back to where I was before the loss. So what I have now does not care what the stock market does. My Annuities have done well and I am guaranteed the interest on the CD's I purchased.

Very informative video (thank you)! My advisor is recommending I move funds from a previous annuity (F&G Accumulator Plus 10 with Barclays Sector 5) to the Silac Denali 14 FIA as a better option. The F&G returned 0% over the past 2 years and I'm obviously not happy with a 0% return. Can I get your thoughts on the Silac Denali 14 FIA? I've read the company has recently been downgraded to a B+ rating by AM Best..

Thanks. This is my first exposure to a Retirement Income Hybrid. Can this product be used as recipient account in a 1035 Exchange? Did you produce a video explaining the particulars of this ""Retirement Income Hybrid? Ty

I will be calling you.

Very educational! Clear and concise!

Great information, thanks! I always love seeing the dogs too.

Is your top recommended plan available in Louisiana? Considering other wise Mutual of Omaha with $5K cap.

The variable annuities that I've seen had a max 1.77% fees and that's after the mortality fees

I love watching and learning from your video. This video definitely gives more clarity. Thank you

Your videos are clear and educational. I have enjoyed watching them. Thank you. I will be calling you to discuss my situation.

Thank you very much 🙏

Did this video give you clarity on how to buy an annuity? ​​Please also share any good or bad experiences regarding annuities.

All depends on what you do for a living. Self employed people can manipulate the system if more than half their income is paid in cash.

Thank you!

Both of you are good presenters but your subject matter is so vast it is very hard to keep up and let the mind formulate good questions and understanding. You know your subject but I doubt if one tenth of one percent knows half of what you have committed to understanding. I’m going to search your playlist and see if you have made a video that just focuses on one particular need that an annuity researcher might be able to digest. If you have one in your playlist maybe you could point me to it. My thoughts at the present are simple. My wife and I are 72 and we are debt free. The cash we have is making the 4.4% that the rates in our bank provide at present. But we know that at some point in the not too distant future those rates will decline when the fed believes the economy will need a stimulus. Our income with retirement and SS is 90 K a year. Not a lot. So my question is simple. Is their a reason why an annuity in our circumstance would be something that we would benefit from because we would get a return each year that would exceed what banks are producing now and is there a risk to that? At our age growth is not a factor. Income is. I know I put a lot in there and if it’s too much I understand.

You know you need and annuity when your agent needs a new Mercedes

Very educational, thank you, but got a headeck half way of the video with the annoying background music,, had to leave,,

You can't get a good job after fra

Another expert at SS age 😮! 65/66/70/72 . It’s the same bucket 😂!

1000.00 At 62 take it!!! if you wait to 70 you just left 96,000.00 at the table guaranteed. What isn’t guaranteed is 72.

agree

Short term under 2 years LTC still way expensive. but long long term care over 2 years... wrecks a lifetime of wealth accumulation.

There's no limit on how much one can earn if they file at full retirement age.

hello, are you licensed in Florida?

this is balogna, i am a sick man that may not live to FRA, so i am taking my SS now at 64 1/2 otherwise the gubment will keep every penny that i could have received while i am alive, so do not wait as long as you can afford to take it early, you will be glad that you took it early.

A question: what if i collect SS early and i continue to work, but my earnings come in through an LLC, and my expenses from such LLC offset my earnings. What happens in that situation?