Video from Oak Harvest Insurance Services, LLC

The Fixed Index Annuity is often overlooked as a valuable retirement tool, offering benefits like principal protection, guaranteed income, tax deferral, and market participation. Join Troy Sharpe® as he interviews industry experts Laurence Black and Branislav Nikolic of The Index Standard® about the expanding realm of fixed indexed annuities (FIAs) within retirement planning, unpacking their nuanced benefits, market trends, and evolving complexities. 

You’ll walk away with a comprehensive understanding of FIAs, including their role as stable components in retirement portfolios, the significance of volatility-controlled indices, and the crucial need for clear guidance amidst misconceptions. With expert analysis and a focus on real-world applications, this interview equips viewers with the knowledge to navigate the intricacies of FIAs confidently, empowering them to make informed financial decisions for their retirement futures.

Jump right in:
00:00 Introduction to Fixed Indexed Annuities (FIAs)
02:22 Understanding the Index Standard and Its Purpose
05:02 Exploring Fixed Indexed Annuities and Their Value Proposition
07:37 Unpacking the Misunderstood Nature of Fixed Annuities
09:34 Value Proposition of Fixed Indexed Annuities for Retirement Planning
13:25 Expansion of Index Choices in Fixed Indexed Annuities
17:53 Stability and Predictability with Risk Control Indices
18:53 Impact of Index Evolution on Fixed Indexed Annuity Market
22:17 Benefits and Features of Fixed Indexed Annuities
25:36 Understanding Crediting Strategies and Index Options
42:46 Navigating Consumer Choices and Decision-Making
45:40 Historical Performance and Market Expectations
46:44 Diversification Strategies
48:15 Role of Carriers and Product Development
52:43 Understanding Product Illustrations and Realistic Expectations

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Important Disclosures:
Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. Some Oak Harvest investment adviser representatives are also independent insurance agents. The insurance agents and Oak Harvest Insurance Services, LLC earn combined commissions up to 7.5% for selling insurance products, in addition to other compensation.
Annuities are long-term contracts with limited liquidity that are designed for retirement. Returns may be limited by caps, spreads, surrender charges, early withdrawal penalties, and other fees stated in the annuity contract. Retirement accounts such as IRAs can be tax-deferred regardless of whether or not they are funded with an annuity. The purchase of an annuity within an IRA does not provide additional tax-deferred treatment of earnings. Withdrawals may be subject to federal and/or state income taxes. A 10% federal early withdrawal tax penalty may apply if taken before age 59 ½ in addition to ordinary income tax. Partial withdrawals may reduce benefits and contract value.
Annuities are not guaranteed by any bank or credit union and are not insured by the FDIC or any other governmental agency. Some annuities could go down in value. Annuity and life insurance guarantees are backed by the claims paying ability of the issuing insurance company. If the insurance company encounters financial difficulties, there is a possibility that they may be unable to meet their obligations.
All information stated above is general in nature and is for educational purposes only. It is not intended to provide specific financial, legal or tax advice. Consult a professional regarding your specific situation.

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