Boost Guaranteed Lifetime Income Benefits up to 100K

Michael Lewis, author of "Moneyball," pointed out at a recent industry conference that "experts make mistakes, and analyzing data can help prevent gut calls that become bad decisions.” The Oakland A's dissected statistics and analyzed data to identify undervalued...

Double Variable to Fixed Annuity Conversions

With variable annuity net assets exceeding $2 trillion at the end of the fourth quarter, there is very good chance that by simply improving a single factor in your replacement methodology, you could easily generate several hundred thousand dollars of additional...

SPIA Payouts Surge While Variable Annuity Income Riders Slide

As I have discussed over last two years, Income riders charges are up, payout factors down and most products produce less than a 1% IRR at average life expectancy.     Income riders are falling even harder than I expected.     According to LIMRA: “One of the factors...

The Downside of Decumulation

"The question isn't at what age I want to retire, it's at what income." - GEORGE FOREMAN In this article, we will share an approach that will expose the weakest links to the most common choices when purchasing an annuity and provide you with the knowledge to increase...

Investment Accounts “Rule of Three”

As a professional, you want to join the conversation your clients are already having in their mind. At some point in the future, there are only three possible options (or some combination of the three) for your clients regarding any income asset, once they have...

Relevance of the Big Picture

One of my favorite ways to relax and reflect is by laying across our 16 ft trampoline with my kids and looking up at the night sky discussing the enormity of the universe. During these times, I can't help but reflect on what we must look like from out there? One of my...

Top 10 Quotes on Fear

Perspective enhancing quotes represent a condensation of knowledge and wisdom, the visible tip of the iceberg with an accumulated lifetime of observation beneath the surface. I often think of the words contained in the 10 quotes below whenever I need to gain some...

Edge of Psychological Chaos!

On the bleeding edge of psychological chaos is where successful are able to do the things that unsuccessful people won't and consistently create the big breakthroughs. The brain-sweating effort on a problem or opportunity that nobody else cares about or possibly...

The Procedure

In the mid 1800's Jay Gould's powers of concentration were amazing by any standard from any time period. Early in his career, during a meeting with subordinates who exasperated him by bickering about whether a particular move might be too audacious, he insisted that...

Using Mental Models

As part of my growing awareness of my own fallibility, I am constantly making an effort to improve on my mental models. I have been studying Charles Munger for years and he is a master at using filters to improve decision making. The quality of your life is truly...