At some point you will need to make changes to your investment portfolio. Often, investors and their advisors make wholesale changes all at once. But that’s not really in your best interest. Read on to find out how to successfully adjust your portfol

Variable Annuities now offer a Guaranteed Minimum Withdrawal Benefit which allows you to earn 5% or 6% even if the market drops significantly. Undoubtedly, you will be pitched a variable annuity or pressured to transfer your existing one into a new c

Equity-Linked Certificates of Deposit are a safer, low-cost alternative for those who must have an Equity-Indexed Annuity type of investment. These little-known investments allow you to participate in the growth of the market index while your princip

I’ve been predicting for some time now that Equity-Indexed Annuities and the sales practices associated with them will be the Next Big Scandal of the financial services industry. And now my predictions are coming true. After a chorus of complaints, t

You should continue to grow your nest egg even when retired--unless you’ve been blessed with more money than you will ever spend! Last week I discussed in detail how retirees can boost their income without taking on unnecessary risk. This week, I’ll

Buyer’s remorse—we’ve all had it from one time to another. But when it comes to investing your life’s savings, the last thing you want is an investment that you will soon regret. Here are some secrets that can prevent that from happening. Staying out

Seniors in your community may be targets of financial charlatans. I’ve received a number of disturbing reports recently from seniors about the abusive tactics of some advisors. Their actions are not only unethical, but they border on the criminal. Yo

Everything you do is an investment. It doesn’t matter whether it’s eating, watching TV, working, or spending time with others, you’re investing your time, energy, and/or material resources. So the natural question that flows out of this is, “What the

Looking into buying commercial property? Many people have looked at investing in commercial property, but decided against it for some reason. Maybe they didn’t fully understand the rules and regulations involved with commercial property. The most imp

I’ve disliked variable annuities for many years because of their high fees and onerous surrender penalties. Now, low-cost variable annuities are available that slash fees and do away with the surrender penalties. Does this change my opinion on the us

It’s hunting season out there, and unfortunately, you’re the target! The financial services industry is on the hunt for your account and they know when you are most likely to take their bait. Knowing when you are most vulnerable is the first step in

Everyone would love to retire early, but they also desire to be free from the fear of running out of money. Changing your attitude toward investing and the approach you take will help you accomplish both. Read on to see how you can retire years soone

Q. Jeff, I've been approached by someone touting the benefits of equity indexed annuity with “Company-X? They say my money will be safe, there’s a minimum return and a cap with a participation rate of 100%. They also said I’d probably average between

In our culture, the main goal of retirement is to put our working days behind us and devote ourselves to the pursuit of pleasure. Many find, though, that continuing to work in some form keeps them active and gives their lives purpose. Changing your c

Last week I shared with you the real reason advisors push IRA accounts into variable annuities: the commission. If you’re getting ready to retire with a large IRA rollover, or your current IRA account is nearing the end of any surrender penalties, ch