Annuity Information Center

04/29/2026

Fixed Indexed Annuities
- Not all are created equal.

If you wants Good Safe Growth OR Lifetime income... you need to find the one that is designed to deliver!

04/21/2026

Thinking about buying an Annuity with a Bonus?
THINK AGAIN!

04/20/2026

⚠️Annuities vs Investments⚠️

This comparison is one I see often from both sides:

INSURANCE
➡️ Cherry picking periods the market was down (2000 to 2010).

➡️ Simulating an Indexed Annuity at a current par or cap with 100% renewal rate.

➡️ Maybe even using backtested Indexes that weren't even live. (yikes)

INVESTMENT ADVISING WORLD
⏩️ Using average 30 year returns as a reason why you should never have an Annuity. (ignoring Vol Drag & SOR)

⏩️ Putting all the focus on the surrender period, even though it truly is a non factor if positioned right, or unless you put ALL your money in one. (which you would never do)

⏩️ Only discussing the potential fees, and not the benefits you get for those fees.

So... who's right?

💀Neither💀

An Annuity is designed to work alongside securities and investments.

It is a diversifier that is complementary when positioned right.

How do we use them?

Simple.

Income Needs Gap?
⏺️ Fill with SPIA / DIA / FIA w/ GLWB

Want To De-Risk?
⏺️ Use Safe Growth Buffer FIA / RILA

Worried About LTC?
⏺️ Explore FIA w/ LTC rider (not doubler)

Thats how I tackle it and it works well.

If positioned with education, the client understands that its not an Attack on one or the other.

Hope this helps.

02/04/2025

Thinking of purchasing an Annuity with a bonus for a Roth Conversion strategy?

Watch this video first!

Hey everyone, in this video, I break down the reasons behind my decision not to utilize bonus annuities for Roth conversions. I delve into the math and costs associated with these annuities, highlighting the lack of true benefits despite the enticing bonuses offered. I emphasize the importance of un...

06/16/2024

Happy Father's Day!

02/12/2024

Coach Reid better listen to Kelce this go around.

He couldn't have been nicer about it...

01/31/2024

Are you using the 4% Rule to withdrawal income from your portfolio?

Lets take a look at how that rules stacks up when using an Annuity!
(SURPRISING RESULTS)

In this video, Tracy breaks down the 4% rule in real time, in relation using different types of Annuities as a Bond replacement.

01/10/2024

Do you have a Traditional Retirement Plan like a 401k? 403b? IRA? Brokerage Account? or others?

Are you sick of the fees and costs associated with those plans?

Are you sick of the uncertainty of the market?

Watch this quick video of how a PROTECT plan may be right for you!

01/08/2024

Our plans help give you peace of mind knowing that - Recessions - Risk - and Inflation, won't effect your retirement!

Some call it "Bullet Proof".

01/07/2024

Is it funny?
- Yes

Is it true?
- Also Yes

Want to talk about it?

01/03/2024

How does a PROTECT Retirement Plan help give you peace of mind against market dips?

It avoids negative Sequence Of Returns risk, "Well what the heck is that?"

This is the rule that when you experiences losses, you need gains over and above what you lost, just to break even.

Example: a 50% loss needs a 100% gain to break even. WOW

See the image below.