Wednesday, May 25, 2011

Fixed Index Annuities are a good alternative to bond portfolios or funds.


FIAs are a very good asset class to address the "bond/fixed" portion of a client's well rounded portfolio.  Wharton recently published a white paper entitled "Real World Index Annuity Returns" in which it revealed actual FIA avg. returns over a range of 5 year periods from 1997 - 2008.  the avg. return were 4.33% low and 9.19% high while the S&P avg returns for the same time frames were (3.08% to 13.37%).  Personally I would rather a client have some upside and no downside. 
In another paper written by Andy Robertson of "Capital Indemnity Group, LLC.", he stated "before a variable annuity with a GLWB rider can achieve the stated objective of providing a guaranteed income that also combats the effects of inflation, the underlying funds must deliver enough performance to overcome the impact of the annual charges and fees as well as the current income withdrawal.  What type of market performance is the annuity required to deliver in order to meet the client's objective...14.44%".  The recent market has certainly not delivered this amount of return.  
 Given the new lifetime withdrawal benefit riders offered by fixed and fixed index annuities at much lower internal fees 1-1.5% vs 4%+ (roughly), it is easy to see why many advisors are taking a second look at the fixed side of the annuity solution. 

If you are interested in learning more please visit www.wealthvest.com.

Friday, May 20, 2011

LIMRA: Annuity Sales Improve in 1Q

LIMRA: Annuity Sales Improve in 1Q

Ready for Annuities Paired With Bond Funds?

Ready for Annuities Paired With Bond Funds?

AnnuitySpecs.com Releases First Quarter, 2011 Indexed Sales Results

AnnuitySpecs.com Releases First Quarter, 2011 Indexed Sales Results

Even More Lessons from Famously Bad Estate Planning

Even More Lessons from Famously Bad Estate Planning

Indexed Annuities Set Sales Records

Indexed Annuities Set Sales Records

Bank-Sold Annuities Reach Two Year High

Bank-Sold Annuities Reach Two Year High

Indexed Annuity Sales Up 5%

Indexed Annuity Sales Up 5%

The latest word on annuities

The latest word on annuities

3 must-know Annuity Innovations

3 must-know Annuity Innovations

Annuity Statistic Roundup

Annuity Statistic Roundup

The most common misperception about seniors

The most common misperception about seniors

Working with advisors leaves pre-retirees more confident

Working with advisors leaves pre-retirees more confident

Insure or invest: Which is best? - Selling to Seniors - Life Insurance Selling

Insure or invest: Which is best? - Selling to Seniors - Life Insurance Selling

Thursday, April 14, 2011

Immediately needed Fund Raising Professional


Immediately needed Fund Raising Professional 

Seeking:  Experienced Fund Raiser/Project Manger -Located Anywhere

This is a single independent contractor project – could lead to more collaboration in future.  Can be based anywhere in US.

Requirements:
·          3 years experience successfully raising assets – venture capital, REG D or collateralized assets
·         Existing contacts in HNW, venture capital, REG D, small office, family office, RIA or qualified investor contacts
·         Ability to secure collateral for project of at least $5MM within 30 -60 days
·         Experience working with Medical Research Funding is a bonus – but not required

Great opportunity for seasoned funding pro or RED D wholesaler currently seeking traditional career opportunities – can work project part-time.

If interested AND meet qualifications, please respond to external_wholesaler_pro@rocketmail.com with resume or CV and cover letter.





Monday, January 17, 2011

Twitter for Sourcing and Recruiting

LinkedIN group for finding jobs.  I would suggest joining this group.  It is an open invitation group.

Where are top fund managers putting their money now?

Many see 'gems' overseas, where stock valuations trail economic reality; 'investors just can't believe we're actually recovering'
http://www.investmentnews.com/article/20110117/FREE/110119942?sms_ss=delicious&at_xt=4d34c4ea708ec765%2C0
Who will be next to call it quits in VA industry?

Genworth pulls the plug on annuities. What does this exit added to other major players in the recent 24 months bode for the future of VAs in this extended low interest rate environment?