Any financial choice has only three potentials: it will either improve your financial situation, harm it, or have no effect at all. If a financial choice improves one’s financial situation, then it would probably be a very popular choice. Equity indexed annuities are taking in billions.The fact is, conservative savers are fleeing for safety because: […]

Re-Engineering Retirement: Take the “oops” out of retirement uncertainty The expression “oops” doesn’t inspire confidence in procedural matters of either health or finance. If your surgeon says it just before you go under, you’re probably going to have some concerns as soon as you wake up. An “oops” in a retirement strategy can be just […]

If you haven’t figured it out already, I like lists. I don’t like failure. Aviators- regardless of their experience -all use preflight checklists due to the extreme consequences of failure in their avocation. So to keep my clients from crashing and burning, I like to promote checklists. This one is from an old American Skandia […]

Think You’re Leaving the “Family Farm” to the Kids? Think Again. The State of Oregon May Have Other Plans. You’ve worked hard all your life, been retired for quite a while, but now the old bod’ is wearing out and you need help. Your fixed income isn’t enough to pay for in-home assistance so you […]

Annuities have gotten a lot of bad press lately, mainly because there are some terrible annuities out there- which I will list later -as well as some terrible “advisers” selling them. The “Top Ten” myths are ubiquitous, appearing on numerous websites such as http://www.annuitiesinstitute.com These myths appear to be propagated principally by journalists, none of […]