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The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It

Strategic Money Planning: 8 Easy Ways To Put Your House In Order

State by State Tax Guide For Retirees:




Learn The Basics: Fixed Index Annuities

Learn how fixed index annuities work and provide the following benefits… safety, a reasonable rate of return, accumulation, and income you cannot outlive regardless of age.

Then visit our website for more information about annuities:

Retirement income and maintenance shouldn’t be something that keeps you up at night. But for many, the choices for accumulation of assets have been limited to the potential for large growth in a volatile stock market OR the paltry interest rates earned on CDs, money market funds, or low yield government bonds.

But now, with a fixed index annuity, you have a financial vehicle that offers interest credits linked to various stock market indices that provide the potential for upside growth, with none of the downside risk.

That’s right, when the market goes up, you earn a reasonable rate of return. When the market goes down, you don’t lose a penny. Your principle and all previous gains are locked in, protected, and guaranteed.

But portfolio accumulation is only part of the story. Most Americans fear outliving their retirement income account. You have probably heard the “4% rule.” Basically, it states that you should be able to take 4% out of your portfolio every year and have a 90% chance of not running out of money. That doesn’t give much comfort to retirees in a volatile market. With a fixed index annuity, you are guaranteed that your income payout will never end … regardless of how long you live.

The fixed index annuity’s lifetime income account guarantees that you can withdraw, depending upon your age, 4%, 5%, 5 & 1/2%, 6% or more and never run out of income. And if your account value is growing, there is also the opportunity of having your income payout increase. That is a guarantee!

Let’s take a look at how a fixed index annuity might just be the retirement planning and income tool that would work for you.

A fixed index annuity has 2 separate accounts: the Accumulation account, and the Income account.

Let’s refer to the Accumulation account value as your “walk away money.” This is your initial premium plus all interest credit that you have earned via a linkage to index credits. Many people are just looking for an accumulation vehicle that is tax deferred. A fixed index annuity does that in spades!

Let’s look at the other account … the Income account. The optional rider is for people who are looking for another “defined benefit” type of account – another income stream to add to their social security and pension type payments. Here is how it works:

Some fixed index annuities apply a bonus to your premium in the Income account. It also guarantees that your Income account will grow at a very competitive compound interest rate, guaranteed. PLUS, some fixed index annuities credit all index interest gains in the “account value” to your income account balance.

Is it possible that the income payment to you from the Income account could increase? The answer is “yes!” If interest credits are growing, when added to your Income account, the income base could increase. If that is the case, your income payment could increase. But, remember, the payout can never decrease … no matter how long you live!

Many people don’t want to be locked into the income payout. There might be years when they don’t need money. That is another example of the fixed index annuity’s flexibility. You can stop and start whenever you like.

Now, what about the indices that link to your fixed index annuity account value? They are household names that Americans have turned to for years.

Lifetime income and protection against loss of principal and previous gains. Protection against markets.

Seems like with a fixed index annuity, you can have your cake and eat it, too.

Visit for more information or give us a call at 1-877-844-0900 if you have any questions.

Annuity Basics – Types, Pros & Cons

To get your free ebook "How To Avoid Annuity Traps" visit:

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Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.

Finance: How to calculate Annuity, Present Value, Future Value

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Moshe Milevsky – Why Annuities?

Moshe Milevsky offers his response to the commonly-asked question: "Why should I invest in annuities?" Mr. Milevsky is a professor of Finance at the Schulich School of Business at York University, Toronto, Canada.

Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states, and state variations may apply. This product has limitations and restrictions, including withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Jackson® issues other variable annuity products with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Jackson is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.

Moshe Milevsky was paid for his commentary. His views do not necessarily reflect those of Jackson.

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Current State of Deferred Income Annuity Products

In this practical video, Curtis Cloke discusses the deferred income annuity market today. He reviews product developments and discusses the types of returns that are available today based on current interest rates and mortality tables.

How Does An Annuity Work- Fixed Annuities Reviews

How does an annuity work, fixed annuities, check out this
website to learn by video-

What are Fixed Annuities?

Fixed annuities are essentially CD-like investments issued by insurance companies.
Similar to a CD, they pay guaranteed rates of interest, usually higher than bank CDs.
Fixed annuities can be either deferred or immediate. The deferred variety accumulate regular
rates of interest and the immediate kind make fixed payments – determined by your
age and size of your annuity – during your retirement.
How does an annuity work- convenience and predictability of a set payout makes
a fixed annuity a popular option for retiree who want a known income
stream to supplement their other retirement income.

What Are the Advantages of Fixed Annuities?

Fixed annuities pay guaranteed rates of interest, this makes them appealing to investors
who may be wary of the stock market’s ups and downs. What also makes them appealing are their
low investment minimums – usually $1,000 to $5,000 – and the fact that the interest
they pay escapes taxation until they utilize the money.

Learn how does an annuity work, fixed annuites, immediate annuities, variable annuities

What Are the DisAdvantages of how does an annuity work?

Their rates can also be fixed for a limited period, and then drop say, after the first year
or several years after that! Unfortunately
if you don’t like the new rates and want to withdraw your money early, surrender
charges could kick in and cut into your returns.
Plus, if you decide to opt for fixed lifetime payments, some types of annuity
payments will not rise to keep pace with inflation. As a result, the value
of the money you receive will decline over time as inflation erodes
the purchasing power of each dollar. So for example,
if you retire young and plan to keep collecting annuity payments for a longer period of
time, the purchasing power of your money could be a big concern. It all depends on the
type of fixed annuity you take out. Newer types of annuities have solved this
problem by offering inflation riders built into the annuity policy as
an add-on!
Learn how does an annuity work, fixed annuities, immediate annuities, variable annuities

So Are Fixed Annuities Right For Me?

Well that is the real question. Everyone is different and each must evaluate their
own individual situation. Fixed Annuities may solve your problems if- you are
looking for guaranteed rates of return, you like the idea of tax deferral in your
investments, and you like the idea of having an income stream to live on now
or when you retire. If these ideas appeal to you then by all means investigate
annuities further with your investment advisor or insurance agent today! Always
remember that annuities may have longer surrender periods than you may like
and typically will not have as high of a return as stocks, mutual funds, and other
like investments. Just some things to keep in mind!
Learn how does an annuity work, immediate annuities, variable annuites
So hopefully this answers your question how does an annuity work?
fixed annuites
immediate annuities, variable annuities, how does an annuity work


How to create guaranteed retirement income through annuities

Creating sustainable retirement income is real challenge, and it's in times like these – where historically low interest rates have squeezed out potential returns for bonds and term deposits – that annuities can play a role.

In this video, Wealth Protection Specialist Andre Guillemette outlines how annuities can turn retirement savings into guaranteed income.

Learn more at

Buyer’s Guide: Annuities

How to Choose an Annuity and Retirement Advisor That’s Best for You!

Will I run out of money before I die?  Email here today
What we want to impress upon you is that most bias is not necessarily bad; however, by knowing the type of advisor you are working with you can more readily pin point their potential bias as acceptable or unacceptable, being wary if necessary. Within the industry we have two primary types of advisors – 1) commission driven insurance agents and securities brokers – working under a sales oriented Suitability Legal Standard, 2) fee-only advisors and fee-based advisors – working under a best interest of the client Fiduciary Legal Standard. Each advisor type has its share of good and unfortunately some bad advisors. Read more…

Disclosure: Videos are educational and conceptual only and not a solicitation. They are not to be considered investment, insurance, tax or legal advice. It is recommended that you work with licensed professionals for individualized advice before making any important financial decisions. Annuities are not FDIC insured and their guarantees are based on the claims paying ability of the issuing insurance company. State Guarantee Associations, while offering specific protections, are not the same as FDIC insurance. Read more Annuity Guys disclosure at:

Will I run out of money before I die?  Email here today