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Pension or Lump Sum Buyout: Questions to Ask Before Making the Decision
Fox Business
By Andrea Murad
November 7, 2012
"Although annuities may result in lower monthly payments than your pension, there is an upside. 'Many insurance companies offer inflation protection riders that will give you cost-of-living adjustments over time,' says Setzfand."
Taxation Of Investment Income In 2013 With Historical Perspective
Seeking Alpha
By Richard Shaw
November 5, 2012
"There is also talk of reducing or eliminating the tax free buildup of cash values in whole life insurance (which includes deferred annuities). That would change the relative value of life insurance companies that are term insurance heavy versus those that are whole life heavy, and would change the relative appeal of variable and fixed deferred annuities as retirement asset accumulation vehicles."
What Retirees Can Expect After The Election
Forbes
By Robert Laura
November 4, 2012
"If the Bush tax cuts are allowed to expire, tax rates on investment income will change and retirees may want to shift their fixed income strategy to more tax efficient investments. Tax free municipal bonds, or even tax deferred, fixed annuities, may be more tax friendly than corporate bonds and taxable CDs."
Answer isn't simple for an annuity strategy
Chicago Tribune
By Janet Kidd Stewart
November 2, 2012
"If this is more of an investment vehicle, you'll probably get a higher rate of return with a deferred annuity, or by splitting the pot and putting some into an immediate fixed-term annuity and letting the rest grow in one or more deferred annuities, he said."
Baby Boomers: Prepare for life's eight transitions
Inside Tuscon Business
By Susan L. Moore Vault
November 2, 2012
"When you're younger, you are able to ride the ups and downs in the market but as you grow closer to retirement, consider shifting strategies and perhaps advisors to those who specialize in retirement planning and income distribution planning. It may be a good time to rollover your 401(k) from the market to a fixed indexed annuity that will provide safety and growth. By adding an income rider, you will have income for life, even if the entire principal is deleted."
Dealing with the coming inflation threat
MarketWatch
By Kirk Spano
November 2, 2012
"Types of alternative investments can legitimately include a host of assets from real estate, commodities, foreign currency or bonds, ETFs that take short positions, preferred or convertible stocks, private equity, and, in limited situations, equity indexed annuities. I am not going to go in-depth about equity-indexed annuities here, but because I know there is a lot of rhetoric about these products, I will say to be careful when considering one. These products are niche vehicles best used for intermediate-term income generation with the expectation of coming close to keeping up with inflation, but not matching or outperforming it."
Retirement Guys: Don't be overwhelmed by retirement income planning
Toledo Free Press
By Nolan Baker and Mark Clair
November 2, 2012
"One solution to cover any additional income needs is to purchase the correct amount of life insurance. Life insurance can be a great option because the owner can change beneficiaries in the future, say to children, or cancel the insurance in the future if there is no longer a need. Another option to consider is annuity income guarantees. Options vary from company to company and from different products, such as fixed, indexed or variable."
NAFA Recognizes Lifetime Achievement of Fixed Annuity Industry Leader - Wendy Waugaman
MarketWatch
November 1, 2012
"Wendy Waugaman, the late President & CEO of American Equity Investment Life Holding Company, was announced as the inaugural recipient of the National Association for Fixed Annuities' (NAFA) lifetime achievement award. NAFA's Insurance Marketing Advisory Council's (IMAC) presented the Bo Johnson Spirit Award for Lifetime Achievement at its IMO Summit. The award recognizes courage, spirit and determination that challenges the status quo, inspires others to achieve, contributes unselfishly to others, and works ethically and conscientiously to improve the fixed annuity marketplace."
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