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Annuity Resources:
Making Sense of Annuities: Real Questions, Straight Answers & No Sales
Pitch
We Strive to Help People Understand Annuities to Make Best Case Retirement & Estate Decisions.
This is Our Fiduciary Commitment to YOU.
Have You Been Invited to a "FREE" Annuity Dinner or Other Sales Event?
Beware!
There are NO free meals!
ALL INVESTMENTS CARRY RISK AND COST.
Why You Need to Understand Annuities BEFORE You Invest:
Retirement is a major life-changing event that is becoming ever more difficult
to finance, given the complexity of financial products such as annuities.
We want to provide you with valuable annuity information and insight to make
best case retirement and estate decisions. Most people don’t know where to
start, what to do, or who to call when it comes to making well-researched,
retirement planning choices. Unfortunately, without proper understanding of
today’s complex financial tools, the consumer may simply avoid these tools
altogether or may even be persuaded into making a wrong decision which can also
have painful consequences. The latter case was highlighted by Dateline NBC in an
Annuity Expose in 2008.
Issues to consider include:
- How much does it cost, and how much will the person selling it receive?
You have the RIGHT to demand a specific answer to both these questions!
- What are the differences
between variable annuities and fixed or index annuities?
- When and for whom are these
financial tools appropriate and when are they not?
- How does an annuity help fund retirement and provide for heirs?
- How does an annuity impact
taxes?
- Annuity
contracts have fees, penalties, step ups, payouts, and benefit riders that
either cost or benefit the owner.
What do these terms mean?
- What questions should one ask
if invited to an annuity sales presentation to evaluate what is being
presented?
When considering ANY annuity, this helpful guideline should always be followed:
Before purchasing an annuity contract, carefully consider the
contract and the underlying funds’ investment objectives, risks, charges and expenses.
Both the contract prospectus and the underlying fund prospectuses contain information relating to investment objectives,
risks, charges and expenses, as well as other important information. The prospectuses are available from your licensed
financial professional or the insurance company. You should read them carefully before purchasing a variable annuity contract.
Be aware that annuities are suitable for long-term investing, particularly retirement. There are fees and charges associated with
variable annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges,
administrative fees, and additional charges for optional benefits and riders.
Our Help & Professional
Resources
AverTrust Wealth LLC seeks to provide objective financial information based on
our clients specific needs and risk requirements. An annuity may be
appropriate, but the only way to know is to analyze your situation and work with
you to determine which financial tools work for you. If it is not the
right tool, we will help you understand why and what else may work better.
If you have questions about today's complex financial tools, we
are available to provide objective information and answers to any questions you
may have. Contact us today with
your questions, no matter how simple or complex, and we will do our
best to help you evaluate your options.
Our goal is to help you make the best decision for YOU.
Even if you have been working with another advisor and simply seek a second opinion, we are glad to assist.
Online Resources on Annuities
The online resources above should help answer your
questions when evaluating an annuity. We are also available to answer your
questions.
Worried About an Annuity You Already Own?
Contact us today for a review of your current annuity. We will provide an objective
review of its positive features and its risks to help put your mind at ease or
suggest appropriate alternatives.
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