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Creating a successful retirement income plan is very different than saving for retirement, there are unknown risks; inflation, longevity, market volatility, healthcare costs, long term care, low interest rates, it pays to work with an expert who specializes in retirement planning. Unlike what you see on TV and read in magazines, you do not have to pay high fees, take unreasonable risks and do things that some have done 30 years ago. I have compiled this section of educational videos to help explain.

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Do You Own an Annuity or Looking to Buy One?

If you are looking to purchase an annuity or own one that is five years old or more, we can help you get the best value for your money. With over 30 years of annuity experience we are able to help most retirees out there. Annuities are not FDIC insured or backed by any federal agency, they are issued and guaranteed or backed by the issuing insurance company.

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Warning regarding SPIA or DIA (Single Premium Immediate Annuity or a Deferred Income Annuity

If you are considering purchasing a SPIA or DIA there might be much better options that your adviser is not able to offer you. Many firms forbid their advisers to offer their clients the very best Index Annuities with Income Riders. The Index Annuity can offer a lot more flexibility and in many case more guaranteed income. Also some Index Annuities offer Income Riders that will increase their income 175 to 250% if you should need Home Healthcare, Assisted Living or a Nursing Home Stay. With a SPIA or DIA your money is pretty much locked up with very few if any options for a refund or to change your mind. Give us a call or text at 561.809.5642 or email ken@olshein.com it could make a big difference to improving your retirement.

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Why Does Ken Fisher Hate Annuities

Many like Fisher say they hate annuities for three reasons, they don't like the high fees that most Variable annuities have. Also they can't guarantee you won't lose money if the market should crash. Last they can't compete with the better Index Annuities that offer a Guaranteed Lifetime Income with other enhancements. It is impossible for a money manager or a mutual fund to guarantee income, only a life insurance company can offer those guarantees. Some index annuities have income benefits that increase 175 to 250% if you should need home healthcare, assisted living or a nursing home stay. Call Ken at 561.809.5642 for more information.

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Listening to the wrong people can make you go broke in retirement

the talking heads on TV and in magazines want you to take the risk and pay fees to have your money managed. They don't like when you put guarantees in your retirement that prevent you from running out of money especially if we have another market crash like in 2008 or 2000-2002 where we experienced 50% drops. When you have a 50% drop, you need to make up a 100% gain just to get back to even, if you are retired you don't have time to wait or take the risk of if and when the market comes back. We can show you the best way to have a reasonable rate of return without fees or market risk. We also can show you how to have a guaranteed lifetime income that will increase 175 to 250% if you should need home healthcare, assisted living or a nursing home stay. email me at ken@olshein.com or call or text at 561.809.5642

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