How do Annuities Compare to CD’s?

by | Jan 12, 2021 | Annuities

Quite well.  To begin with, the interest compounds, tax deferred.  With a Certificate of Deposit, or CD, you must declare the interest each year on your tax return.  Secondly, annuities pay a higher interest rate.  You’d have to lock in a CD for 10-years to get the...

How do Annuities Compare to Mutual Funds?

by | Jan 8, 2021 | Annuities

It depends on what you want the money to do.  Annuities are end-of-working-life solutions.  If you have read this far, I’m sure you have heard of the 4% rules in financial planning.  It states that if you start taking 4% out of your investments each year after you...

Why Buy Long Term Care Insurance?

by | Jan 2, 2021 | Life Insurance, Long Term Care

You and I both know you should have it.  What stops most people are the following concerns: If I never use it, all that premium money will have been wasted.  To answer that concern, insurance companies developed hybrid life/long term care policies that  make sure...

Small Business Group Plans, 2-5 Employees

by | Dec 29, 2020 | Health Insurance

If you already have a plan, the premium differences are so small between the few companies that will even sell Small Business Group Plans in California right now, it’s not worth the making the effort to change. I’d love to become your broker and show you some other...