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Category: Annuity Education

Kiplinger’s Retirement Report – RMD Tips: When Your IRA Holds an Annuity

March 2017

Here are some excerpts from a recent Kiplinger’s Retirement Report story titled, “RMD Tips: When Your IRA Holds an Annuity,” by Rachel L. Sheedy. AnnuityAdvantage CEO and Founder, Ken Nuss, is quoted in the article. “Annuities have a reputation for being… Read more

A Way to Get Some Stock-Market Upside without Any Downside

Fixed indexed annuities are complex financial products offering a way to protect principal while still getting growth. With the stock market seeming to reach new highs almost daily, investors face a quandary. They want to profit if the market stays… Read more

Tax Sheltered Annuities (TSAs)

A Tax Sheltered Annuity, also called a TSA or 403(b), is a retirement plan offered by public schools and certain 501(c)(3) tax-exempt nonprofit organizations. Section 403(b) of the Internal Revenue Code allows employees to save for their retirement by making… Read more

Annuity Education: CD Annuities Explained

What are CD annuities? That is a very interesting question with an even more interesting answer. The fact of the matter is that there really is no such thing as a CD annuity. A certificate of deposit (CD)Read more

Life Annuities – An Annuity That Guarantees a Lifetime Income

If you are retired or nearing retirement, a life annuity should be a retirement income strategy that you give serious consideration. Life annuities are essentially a Single Premium Immediate Annuity (SPIA) with a lifetime payment option. They provide… Read more

Tax Deferred Annuities

Deferred annuities are contracts issued by insurance companies for people who want to save on a tax-deferred basis, usually for an extended period of time, and then optionally convert their accumulation value into a guaranteed monthly payout once they retire…. Read more

Annuities – Why Work With an Independent Annuity Broker?

There are many different terms used to describe an insurance professional that specializes in selling annuity products. Some of the most common are: Insurance Producer, Agent, and Annuity Broker. AnnuityAdvantage acts as an independent annuity broker for dozens… Read more

What Is a Tax-Free 1035 Exchange?

Are you interested in upgrading your annuity to one with better features and/or a higher interest rate? In most cases, the IRS allows what is known as a 1035 exchange of non-qualified annuity contracts between insurance companies. A… Read more

The Pros and Cons of Variable Annuities

In the recent past, variable annuities have received both positive and negative attention in the media. Many articles have been published that detail variable annuities’ high potential market gains, but many more have been published describing excessive variable… Read more

Sell Your Annuity or Structured Settlement for Cash

Annuities are great retirement savings and guaranteed income products. While there are many benefits to owning an annuity, sometimes life’s circumstances change and there may now be a compelling reason to sell your annuity or structured settlement payments for cash…. Read more