Rescue Your Annuity

Annuities can play an important role in the overall strategy of an individual or family.  The problem is that the fees are high, and often “very high”, with less than optimal sub account investments.   Our team will analyze your annuity for you and reveal what are the fees.   We can “rescue” your annuity with a 1035 transfer – and dramatically reduce the fees as well as populate the “sub-accounts” with better performing passive style funds.   We have never sold an annuity – it would be an extremely rare situation that would include an annuity as part of the solution.   When a client comes to us, we formulate their overall strategy that takes into their entire situation – all moving parts including any existing annuities.   Sometimes our team’s recommendation is to keep the annuity in place treating it essentially as a “bond” in their portfolio.  Other times we recommend liquidation.  The third alternative is a 1035 transfer where it becomes a higher performing part of their portfolio due to more diversification and less fees. What to Do Next The crucial first step is to understand what is most important to you and establish goals in alignment.  Then choose someone that can bring a team of independent experts together and assemble the advice (prioritized in your best interests) to make it happen.   That said, it is completely appropriate to choose investing as the first topic.   We regularly analyze folk’s current investment strategy with nothing expected in return.   (We’ll analyze other aspects of your strategy if you wish.)   We look at: Overall Performance (vs....