Your
Annuity GAME PLAN
Maximize the INCOME, Avoid the RIPOFFS
Don't outlive your money.
Don't commit until you fully understand the annuity.
Don't get fooled by a bonus or other gimmick.
Annuities can boost retirement income for most people.
But many annuities have hidden pitfalls, traps and costs.
Finally, here's a guide that is NOT written by a salesperson.
It's a Game Plan and detailed analysis 100% dedicated to getting you the maximum after-tax income, safely.
Simplify
That's no accident; it makes hundreds of annuity products very tough to compare. The terminology is baffling, so let's simplify. Just remember Vanilla, Chocolate, and Strawberry:
Vanilla: simple CD-like annuities that pay annual interest, which is
tax-deferrable
Chocolate: lifetime income, lifetime commitment on both sides
Strawberry: Market-growth with an index, but only to a limit. They never go down. Most come with a major, usually ignored risk!
That's it. Now you know the main annuity categories by what they do for you. There are also Variable annuities, which this book does not recommend or cover.
Annuities can be infernally complicated.
We don't have time for any more financial mistakes. This book will help you get annuities right. Check out the most surprising recommendation here.
Annuities got started in ancient Rome. Over 2,000 years, the idea of a Game Plan for consumers picking annuities apparently never came up.
Annuities will - sorry, they should - lower your risk and boost income.
But without your own strategy, and unless you can compare annuities, you won't know your options. You may commit prematurely, or worse, not realize what you are buying in cash, taxability, and risks.
The Game Plan will pay off for you.
After buying one annuity without understanding its drawbacks, I set out to discover all the problems with annuities and ways to pick the right ones.
Some have "small" pitfalls, costing you $500 here, $800 there. Some of those I discovered are not explained anywhere else -- nearly all books on annuities are by salespeople or general financial influencers who do not drill down into details.
Your Annuity Game Plan will enable you to save hundreds or thousands of dollars, and/or pocket more in after-tax revenue. Just knowing the downside of "bonuses" and "additional stock-market indexing" will give you that.
There's more. The majority of market-growth (strawberry) annuities carry a huge, elephant-in-the-room risk, and you cannot calculate said risk.
As you look into annuities, you may be invited to make a lifetime commitment prematurely, for an inferior payout. Check the chapter The Ugly of Deferred Income (Pay-Commit-Wait) Annuities!
You can take maximum advantage of annuities if you understand what's going on behind the scenes and you have a game plan---which I totally lacked. And you need to know what Honesty Slippage is.
This book is blunt, sarcastic, and partisan (on your side). It's also analytical and repetitive---because some facts don't sink in at first. To say it directly, you'd be nuts to go for annuities without knowing what's in this book. As far as I know, this information is not published anywhere else.
Now also on Kindle.
Key Chapters, to Give You an Idea
The Amazing Knowledge Gap in Retirement Finances
Their Game Plan For You--Ignore It
The Benefits of Annuities
Huge Industry, Confused Customers
Your Must-Do, Last-Chance Phone Call
Your Contract, Authored by the Marquis de Sade
Your Annuity Game Plan, Step by Step
Get a Training-Wheels Annuity
Annuity versus Inflation-zilla
How to Evaluate Annuities
Onus on the Bonus
And about 25 more. See more detail on the In This Book page.
The mailer promises you a delicious, free steak dinner on Protecting Your Money in Retirement, or something similar. It starts with the presenters reminding you repeatedly how risky the stock market is right now. They explain the virtues of a Deferred Income annuity.
You have a few phone calls with an agent. You watch some YouTube videos created by annuity agents. You see a marketing brochure and income projection on your agent's annuity, which would be your first.
The agent recommends you invest $500,000.* The annuity has a lot features and options, and sounds...pretty good, because you'll be safe from stock market crashes.
Do you go for it? No! Please. Don't commit $50K or $100K before you read the footnote below.
You are Invited
* $500,000 on your first annuity? Too bold a leap. And that's a $35K to $45K commission to the agent. It's also $200,000 over the protection limit in most states.
Get in touch
E-mail: joe.quinn@annuity-gameplan.com
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