Your Annuity Game Plan

PARKLAND, Florida -  November 29, 2024 - The new e-book YOUR ANNUITY GAME PLAN enables consumers to take control of their annuity purchase while overcoming information overload, products with undue risk, and poor advice. The GAME PLAN presents information not found elsewhere as it slices through the complexities, flaws and benefits of these valuable retirement tools: 

• It’s the first start-to-finish Game Plan for seniors to exploit annuities to the max, 
  with the optimal mix of low risk and higher cash after-tax income.
• It is written by a “forensic pit bull and consumer advocate” long-time investor and MBA who analyzed pitfalls 
  (“anti-benefits”) in many annuity products and shows how to circumvent them.
• The 260-page e-book is 100% focused on helping consumers get the income, flexibility and low risk that they need. 
• It explains annuities in a new way, as simple as vanilla, chocolate, and strawberry.
• It is pro-annuity when the strategy and products are right, yet 100% intolerant of anything 
  that decreases after-tax income for seniors. 

“Annuities are over two thousand years old,” said author Joe Quinn. “But there has been no real-world action plan for retirees to navigate the industry’s trademark confusion. Without your own Game Plan, you get sucked into the sales strategy of annuity agents. And when you surrender to their process, you get less.” 

Sixty to eighty percent of American seniors lack the retirement income they need, and 10,000 of them turn 65 every day. Annuities have become a booming business, but they are confusing to consumers, who don’t know how to shop, evaluate, compare, or buy them. 

Finally, a real-world how-to guide by a consumer advocate

Nearly all books on annuities are authored by sales agents who typically earn commissions between 3% and 9%, as part of their marketing. Many annuity owners do not have the right information to make informed decisions. They may not end up with the best product, or face taxes they didn’t expect and could have postponed. Many are placed into de facto lifetime commitments without realizing it. 

“This book’s mission is to help and protect seniors. It is pro-annuity, but only the best ones in the right mix for each family,” added Joe Quinn. “I encountered overly risky products, misleading marketing, features that hurt senior citizens, and astounding lack of transparency. The benefits of annuities are very valuable, but not if you’re shunted into garbage products you don’t understand.” 

Surprising recommendations in Your Annuity Game Plan

• If you’re 50, start learning annuities and get a “Training Wheels Annuity” of $15,000 or less. 
• Never rely on marketing brochures, nor product reviews and information from sales agents—they are not a party to your contract. 
• Take charge with a scripted Last-Chance Phone Call with your annuity company. 
• Never commit to a “deferred income” annuity without doing some math the book explains. These are often premature, de facto lifetime commitments. 
• Avoid “market-growth” annuities with unprotected—or monthly—caps like the plague.
• Be highly skeptical of bonuses and “side-show indexing” in income annuities, because they can be anti-benefits. 

Your Annuity Game Plan, for $7, is available now on Kindle at:

Amazon.com: Your Annuity Game Plan: Maximize the Income, Avoid the Ripoffs

and direct from www.annuity-gameplan.com in PDF form. 

From the author

“It’s painful to see seniors, already bulldozed by inflation, get continuously nicked or seriously hurt by bad annuities or sales practices. Annuities can be—should be—highly beneficial as part of retirement strategies,” said Joe Quinn. “Being completely outside the industry, I can be a 100% advocate for the consumer, and a tough critic. I wish that when I was buying annuities, there had been a full Game Plan to follow or customize. ”    

Inquiries from media and financial advisors
The author can provide comments and opinions for personal finance writers and reports about annuities. 

Online and radio interviews

Let's make it happen! Your listeners are guaranteed surprising information about annuities, and perspective on the industry, that they won't hear elsewhere. It will be as entertaining (or academic and formal) as you want it to be.

Contact: joe.quinn@annuity-gameplan.com

 

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