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Immediate Variable Annuity | Annuity Guys® One of the biggest challenges facing pre-retirees is knowing the amount of income they will need in retirement to live … Do not waste your time considering annuities if you cannot find one of the following Annuity Profiles that matches your … All kidding aside, when you stated your wedding vows, you likely stated something similar to “I take you to be my …Revealing Fun Video: Fiduciary Advisors Vs. Annuity Salesmen "For Your Retirement's Success"  Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection. Material Fact 1:   About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients! Material Fact 2: Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients!    Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.  We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.   The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!      Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.  Choosing your advisor can have "The Largest Single Impact on Your Retirement's Success or Failure" Δ It has been more than four years since the pandemic started and the stock market has reached some new historic … Annuities have been on a significant growth upswing since the equities market started tanking in 2008. So if annuities were … All kidding aside, when you stated your wedding vows, you likely stated something similar to “I take you to be my … Retirement encompasses many joys, fears, and unknowns. One of the biggest fears according to our field observations is running out … U.S. to sue S&P over Ratings – that was this years’ February 5th headline in the Wall Street Journal. If the federal government …We highly value your reviews. Please help other site visitors learn from your experience. Reviews are verified based on a … This is a two part blog on Pre-Issued Annuities. In part 1 we will examine some of the reason why … We’ll just give it to you straight – some annuities pay high commissions and some of them have high annuity …New Annuity Guys Videos Our Entertaining & Informative  Saturday Morning Video BlogE-mail* Timely Retirement & Annuity Issues - Easy Opt OutPhoneThis field is for validation purposes and should be left unchanged. Δ Have you ever heard the quip “It can be hard to remember that the objective was to drain the swamp … A Reuter’s article hit our desk recently. It’s based on a “safe withdrawal rate” during retirement (safe being relative since we’re … Remember making decisions this way, growing up, eeny, meeny, miny, moe, this may have been a helpful rhyme for making … In our conversations with people considering annuities we often hear them repeat a phrase they have read or heard from … Last week, we had no idea that congress and the president would act so quickly on such an important issue!Social Security … Inflation – this one word strikes terror in the hearts of many retirees on a fixed income.Never to fear, we have a cost of … Let me start with this basic truth as a Retirement Advisor & Annuity Advisor – THE ANNUITY GUYS ARE GUILTY … What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …New Annuity Guys Videos Our Entertaining & Informative  Saturday Morning Video BlogE-mail* Timely Retirement & Annuity Issues - Easy Opt OutCommentsThis field is for validation purposes and should be left unchanged. Δ We all have heard the saying “what goes up, must come down” However, when it comes to your retirement portfolio … Let me start with this basic truth as a Retirement Advisor & Annuity Advisor – THE ANNUITY GUYS ARE GUILTY … What would the perfect retirement financial vehicle look like if we could design it from the ground up?Would it allow for stock index … “If you fail to plan, you are planning to fail!” While Benjamin Franklin was probably not referring to what he … One question that seems to come up on a regular basis is “should I use my IRA/401k dollars to purchase … It is important to understand the way that Social Security was designed to function. By commercial standards, this is the … Record numbers of retirees and savers are flocking to fixed and fixed index annuities – why?For many baby boomers , the great … Dick and Eric take a look at the Wharton study and what it means for anyone considering a fixed index … Safety of money is generally relative to comparing levels of risk between government-backed financial instruments, insurance-backed financial instruments, or securities … In our conversations with people considering annuities we often hear them repeat a phrase they have read or heard from … Empowering Annuity Reference Book "The New Retirement" Annuity Reference Book  Free Instant Download E-mail* Confidential - Easy Opt OutCommentsThis field is for validation purposes and should be left unchanged. Δ  | | Copyright © 2025 Annuity Guys®   ** Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. Annuities are not FDIC insured and it is possible to lose money.Annuities are insurance products that require a premium to be paid for purchase.Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.   *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients. Annuity Guys' vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)   # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.   ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.   ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated. 346 SHARES , Immediate Variable Annuity vs. Immediate Fixed Annuity Immediate fixed annuities payments will not change if the market takes off after the initial lump-sum investment because the annuity provider , An immediate variable annuity is an insurance contract in which the annuity payments begin immediately after the annuity is purchased. The annuity’s payout rate is based on the performance of underlying investments, which may include stocks, bonds, and mutual funds..
%CODE-RW-Annuity-Reviews-Header%   Immediate Annuity Calculator & Comparison Quotes   Variable Immediate vs. Fixed Immediate Annuities Before you place your money into an immediate annuity, you should consider whether you would like to have a higher potential income hedge against inflation without, Variable Annuities vs. Fixed Annuities . Variable annuities were introduced in the 1950s as an alternative to fixed annuities, which offer a guaranteed—but often low—payout during the , Annuity type: The interest generated by your immediate annuity is most influenced by whether you’ve purchased a fixed-interest, fixed-index, or variable annuity. Premium size: A $500,000 premium paid out over 20 years will result in a much higher recurring payout than a $50,000 premium paid out over the same time period., Variable Annuities. Some of the main benefits that draw people to annuities are their built-in safety and principal protection. Variable annuities do not work that way and are suitable for a particular audience. When you have a variable annuity, your payments fluctuate based on the performance of subaccounts that fund the annuity’s growth., Generally, a fixed annuity is sensible for an investor with a short time horizon and very little tolerance for volatility. A variable annuity is more suitable for an investor with a long horizon and the capacity to endure some volatility. Read More: Variable Annuities vs. Stocks, Variable Annuity Risk; Most immediate annuities purchased today are fixed immediate annuities. If your immediate annuity is variable, which means it contains market risk, then your payment stream could decline based on changes to subaccounts invested in risk-based assets..
 
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