Fixed Annuities

Fixed Annuities

Photo by SecondSide Fixed annuities are complicated, expensive products that are marketed by insurance companies. While most investors should avoid fixed annuities, only those older investors who want guaranteed, predictable income and want to offset longevity risk...
The Navigator – Disability Insurance

The Navigator – Disability Insurance

Photo by richardlyons Disability insurance is a powerful but often overlooked risk management tool. Most Americans focus on auto and home insurance to protect what they consider to be their most valuable assets. However, for most individuals, future potential earnings...
Variable Annuities

Variable Annuities

Photo by zimmytws Variable annuities are highly complex financial instruments that, despite their popularity, appear to be unsuitable for most investors. While these vehicles offer various theoretical guarantees that may appear attractive to certain investors, the...
Pekin Hardy
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