He still maintains his insurance license in good standing and assists his current clients.Īnnuity Guys’ vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this Annuity Guys Website. *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. Annuities are not FDIC insured and it is possible to lose money.Īnnuities are insurance products that require a premium to be paid for purchase.Īnnuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.ĭuring all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified. ** 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. This is also referred to as the prudent man rule, which in simple terms means that by licensing as a Series 65 Investment Advisor / Financial Planner they must give clients the best advice they are capable of based on all the knowledge they possess and information they have access to, in the same way they would advise and help close friends or family members.įiduciaries also must disclose all known conflicts of interest that could potentially bias their advice, such as - selling financial products that pay them higher commissions with higher fees or costs, and their lack of investment product availability for their clients' needs, just to name a few. Hence, clients of a fiduciary can know that their advisor is required legally to work strictly for their highest benefit. & insurance agents.Īdvisors licensed only as a sales oriented securities broker, registered rep, or insurance agent, ARE NOT Fiduciaries! They work on a much lower legal standard of Suitability which does not require full disclosure and only requires a suitable product sale, NOT what's actually best for their client!įiduciary Financial Planners by law are subject to the highest standard of financial planning and investment advice accountability. The other 90% of advisors are salespeople such as brokers, bank reps, registered reps. *Fiduciary Financial Planners we estimate at less than 10% of total US financial advisors. Allowed by Internal Revenue Code 72(e) and 7702. Similar to Roth IRAs, NO IRS limits on contributions Ģ4. Low commissions a result of lower insurance costs Ģ3. Lowest insurance costs for IRS Guidelines Ģ2. Cash Access - High Liquidity is possible Ģ1. Tax Free Chronic Care Options Available ġ8. Tax Free Home Health Care Options Available ġ7. Tax Free Long Term Care Options Available ġ6. Advanced IMEC strategies can transfer tax-qualified wealth Tax-Free to heirs ġ5. Heirs may exceed Tax Free 4X initial premium ġ4. Tax Free Wealth Transfer Death Benefit for Heirs ġ3. Third Party Rated for Safety (A+ or Better Available) ġ2. Guarantees up to 3% (can offset fees and costs) ĩ. Limited Market Upside - No Market Risk to principal Ĩ. Popular strategies( point-pt., spread, monthly sum,) ħ. Popular Indices (DOW, S&P500, Russell, etc.) Ħ. High earning potential (Cap Rates up to 17%) ĥ. Request Annuity Guys’ Planning Help TodayĢ. Annuity Guys® Weekly Annuity Video Blogs.Variable Annuity Calculator & Hybrid Annuity Calculator.Fixed Index Annuity Calculator & Fixed Annuity Calculator.Retirement Shortfall Calculator - Basic.Hybrid Annuities versus Pre-Issued Annuities ™.Most Frequently Asked Annuity Questions.
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