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I have been a financial adviser for 31 years, and I could tell you many stories. I have seen a lot in those years. Many promises, few results. From Public Storage Partnerships to guaranteed [...]

I thought that would get your attention! Does anyone really believe that I, or anyone else, can predict the future? Then why is it that so many people believe the so-called experts that call for [...]

I recently read an article from an advisor referral website that claimed the only type of advisor one should use is a fee-based (or fee-only) financial advisor. Not only is that reasoning weak, [...]

The Indexed Annuity market is very convoluted and voluminous. As mentioned in a previous article (Goldilocks Syndrome), the insurance companies design them to have something unique, so to [...]

There is a lot of marketing done that references various “returns”. Much of it is misleading at best and flat out incorrect at worst. Let’s try to make sense to all the rhetoric. Marketing, [...]

In regard to “GUARANTEED INCOME RIDERS”*, the explanations of how they work fall into the “Goldilocks Syndrome”. In some cases, not nearly enough information, in others, much too much! Some [...]