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An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. It pays interest based on the performance of a stock market index, usually the Standard & Poor’s 500. Indexed annuities are not at all like mutual funds which actually purchase stocks on your behalf and subject your principal value to market risk. In an indexed annuity your principal is NEVER subjected to the fluctuations of the stocks in a fund because you NEVER actually own any stocks. So unlike a mutual fund, you DO NOT lose principal value in an indexed annuity if the stock market goes south. Without...

Life insurance is one of those topics like religion and politics we are conditioned NOT to talk about. However, that being said life insurance is a necessary and invaluable tool in your financial portfolio, if used correctly. Regardless of what your financial planner/advisor tells you there are only two reasons for life insurance and they are: To create an estate Or to transfer an estate 95% of the families in the U.S. need life insurance for the first reason, to create an estate. In other words, to replace the income lost in the event that one or both of the family’s income producers are...