Make sure you fully understand the products before you invest. The most important thing is finding an advisor that you can trust will make recommendations in your best interests, and not try to sell you financial innovation based on their own agenda. Indrani and John discuss divergence and dispersion in financial markets—where impact … I currently write on Substack but have experimented with several others in the past.
We are also independently licensed, which means we are contracted with most insurance companies and can shop carriers to find the best annuities for you. The short answer is, through trial and error, consistency, and hundreds of thousands of words. I see many people throw in the towel after six months.
I have worked since the age of 14, spent five years as a student of economics, and have served in various roles across the fintech and start-up landscape. I am currently a product manager and head of partnerships at Koyfin, and have been writing consistently since 2020. Investment Talk was my first newsletter, and I later started writing NTS. Please note that the examples herein are neither company nor product specific.
Elsewhere, I am immensely passionate about investing, cooking, and travelling. If you chose to purchase an income rider then you will have a “second bucket” called future income value. This value is a calculation based on your accumulation value growing at a certain investmentalk.com rate provided by your income rider. As this value grows, so will the future monthly income dollar amount that the insurance company agrees to pay you and spouse (if joint income rider) for life. In some ways similar to how social security payouts work.
Don’t view this game as a zero-sum activity (I only scratch your back if you scratch mine). Put good things out there, help people with no expectation of return, and the byproduct is goodwill, friendships, and opportunities you might never have imagined. It is important to select the strategy that gives you the most upside potential.
Strategies that have “caps” can often times limit the amount of growth you could potentially earn. Our licensed annuity experts will educate you on all the different types of annuities out there, and how to find the right fit for you. We will also help you shop so you do not get ripped off or victimized by other smoke and mirror sale tactics. Yes, so long as I feel the integrity of the product or service is worthy of showing to my readers. If you’d like to talk advertising, hit me up on Twitter, my DMs are open.
They are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state. The reviews represent the experience of select DE’s clients, which may not be representative of all customers.
All of our agents are licensed in the state of Texas, and have satisfied the required product training for products offered. If you are looking for fixed rates much like a CD, then Fixed Annuities may be right for you. Many Fixed Annuities currently provide annual rates of 2-4%, which beat most CDs.
The reviews are not indicative, nor do they guarantee future financial success. These riders can provide certain guarantees that may be needed to achieve your specific strategy goals, but make sure you really need them before agreeing to pay for them. We can share a little known strategy that investors are starting to take advantage of converting your 401k or IRAs into future tax-free income if you qualify.
That was the reason I created a Twitter account in the first place; to expand my social circle as it relates to investing. When I was travelling to Paris with my partner, I shared a picture of the Eiffel Tower and received a message from Leandro to the effect of “I’m flying into Paris tomorrow”. We arranged to meet in person for the first time, after having chatted for hours previously on Zoom and in direct messages. My partner and I, as well as Leandro and a few of his close friends all met, had lunch, drank beer, and had a terrific time. It’s wonderfully random moments like that which make me enjoy life so much, and the newsletter facilitates things like that. Sometime during my studies, I realised that I while I love economics, it wasn’t a career path for me.
We design solutions for our clients looking to preserve their retirement assets, while still earning credited growth in the stock market with zero market risk. He has appeared on several of the areas top radio and television news shows as a recognized leader in the fields of investments and retirement planning. In addition, he lectured on a regular basis to executives and employees of many of the major corporations in the Dallas / Fort Worth Metroplex.
Our licensed annuity experts will compare your old annuities to see how they compare with new products, and if it makes sense for you to stay put or make a change. I don’t optimise for Twitter growth, but it was a pivotal factor in building my newsletter audience early on. Today, I rely more on recommendations and sharing from my existing network of readers. There are people who really know how to lubricate the Twitter engine. The writing game is full of many wonderful people. Ask them for advice, and feedback, and be open to helping them in any way you can.
With over 43 years of experience, I have a team formed of industry-leading retirement experts. Our experts left big-box investment firms to form a company where they can be free from forcing products and fees on their clients, and focus on researching the best annuity strategies. We DO NOT charge fees, and consultations are always FREE. If we help find you the right annuities, we get paid directly from the chosen insurance company.
Truth be told, while there are platforms with greater product depth than Substack, I find that it does everything I need and I am content with it for the time being.
Most annuities allow you to withdraw up to 10% of your money each year for personal income or to satisfy your RMD without a free. This is called “free withdrawals.” Be aware of your annuities surrender fee time-frame and percentages prior to investing. This is something that took me a few years to answer for myself. Investment Talk is where I write articles about the stock market, the companies within it, and human behaviour. I focus on writing about what I find interesting, in a way that will be both enjoyable and informative to the reader. If you are looking for stock picks or advice, then this isn’t the newsletter for you.