I thought it might be useful to occasionally show you how I use annuities to benefit real clients in Toledo and Northwest Ohio. So, here’s an actual planning situation. My client is 70 years young and has roughly $380,000 in IRAs. Social Security and a pension provide the income she needs to live a secure and comfortable retirement. Bank savings and a money market fund provide emergency and opoortunity funds. We’re considering putting $120,000 — about one-third of her IRA mon

Compare results for a 70-Year Old with a $100,000 IRA. RMDs and account balances across two types of annuities.

Annuity Decision Process™️

Retirement planning often feels like navigating a maze with many unknowns. One of the most common questions is whether an annuity fits into your retirement plan. Annuities can offer steady income, but they are not the right choice for everyone. To help you decide, there is a clear, three-step process that answers the most important question: does an annuity belong in your retirement plan? This process helps you verify your need, justify an insured solution, and match the righ

Purchase the Right Annuity for You - Not the One You Are Being Sold Take the time to review options from several annuity providers. It is your money, after all. Savvy buyers approach annuity decisions with confidence and precision. Annuities can offer tax deferred growth and a dependable income stream for retirement, yet their complexities demand a clear understanding. Here are three pivotal questions that discerning annuity buyers ask before committing. 1. What type of annu

A happy couple walk along the Maumee River.

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Two minute video explains how getting old impacts your IRA accounts.

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Do you include an annuity or two as a part of your retirement savings? Annuities are a common part of many retirement accounts because...