Since the financial meltdown of 2008, deferred annuity sales have surged to new highs led by variable annuities, followed by indexed annuities. Even fixed annuity sales, which have trailed the other two due to low fixed yields, have seen resurgence. All three types of deferred annuities are recipients of the huge outflows of money from […]

A sound financial plan should always begin with the building of a solid, safety foundation for protection against the unexpected. It should include a 12 month emergency fund to protect against job loss or short term disabilities. It needs to have insurance protections against property loss, and, of course against the possibility of dying too […]