Blog
Plain-English articles on annuities, retirement income, taxes and Social Security.
A fixed indexed annuity links your interest to a market index like the S&P 500 while protecting your principal from losses. Here is exactly how FIAs work and whether one belongs in your retirement.
Twelve questions that separate a genuinely independent annuity advisor from a salesperson, covering licensing, carrier access, compensation, surrender terms, and service after the sale.
What actually happens at a free retirement dinner, the topics covered, the questions to ask the advisor, and how to tell an educational event from a sales pitch.
Series 65 investment adviser, insurance-only agent, or dual licensed? How each is regulated, how each gets paid, and what the difference means when you buy an annuity.
Real 2026 final expense rates by age, what coverage actually costs, and how to avoid the $9.95/month trap most seniors fall into.
When whole life is worth the premium, when it isn't, what the cash value really does, and how it stacks up against term for most families.
How no-medical-exam coverage works, who gets approved, how much extra it costs, and when taking the paramedical exam is still worth it.
What the graded benefit period really means, 2026 rates by age, who genuinely needs guaranteed issue, and when a cheaper option exists.
How annuities work in 2026, the different types, how payouts are calculated, and how to decide if one belongs in your retirement plan.