A Multi-Year Guaranteed Annuity (MYGA) is a type of fixed annuity that provides a guaranteed interest rate for a specified period. MYGAs are a popular choice for individuals looking for stability, predictable growth, and tax-deferred savings, making them an excellent addition to a retirement portfolio. Here’s a closer look at […] Read More...
A Fixed Indexed Annuity (FIA) is a financial product that blends growth potential with principal protection, making it an attractive option for certain individuals saving for retirement. With its unique features, FIAs offer a way to achieve steady, tax-deferred growth while safeguarding your principal from market downturns. Here’s a closer […] Read More...
Fixed Index Annuities A common misconception about fixed index annuities (FIAs) is how they relate to the stock market. Many clients believe they invest directly in a market index when purchasing a FIA. However, the reality is more nuanced. Let’s break down how FIAs work regarding market exposure and what […] Read More...
How Gen X Can Boost Retirement Readiness with Fixed Indexed Annuities As Generation X approaches their 60s, many find themselves facing a stark reality: retirement readiness remains elusive. Recent studies highlight the financial challenges confronting this “forgotten generation,” born between 1965 and 1980. But all hope is not lost. With […] Read More...
Olympic Sprints, Retirement Strategy, and the Oceanview Difference In the 2024 Olympics, Noah Lyles won gold in the Men’s 100m sprint with a time of 9.79 seconds. A century earlier, at the 1924 Games, Harold Abrahams won the same event in 10.6 seconds. The difference? A mere 0.81 seconds. This […] Read More...
Fixed Index Annuities in an Uncertain World In the grand theater of financial markets, one thing remains constant: volatility. Just as Allan Quatermain in “The League of Extraordinary Gentlemen” wryly notes, “The empire is always in some peril,” so too are the markets always climbing a wall of worry. Whether […] Read More...