Fixed Index Annuities: Hard to understand, 10 pages long and written by attorneys? Stacked in the favor of Insurance Companies? Not as secure as CDs or mutual funds? Gains capped at 4-6% per year? Surely you’ve heard these claims, but are they true or something worth considering?

Retirement specialist, Troy Sharpe CFP®, CPWA®, CTS®, breaks down comments from one of our videos that contain some of the biggest objections we often hear about annuities. Watch and learn as he clarifies why these products are truly something worth considering when planning your retirement investments.

Video from Oak Harvest Insurance Services, LLC

🏃🏻 Jump right in:
00:04 Guaranteed Lifetime Income Benefits for Fixed Index Annuities in Retirement
00:52 Are FIAs a Good Replacement for the Stock Market in Retirement Investing?
02:35 Common Types and Benefits of Annuities
03:42 Avoiding Annuities Because They’re Complicated - Are They Stacked in the Favor of Insurance Companies?
05:29 From Our 15+ Years Fiduciary Experience, The Truth About Annuity Companies and Who We Will Recommend
06:29 What Happens with Annuities if I Pass Away? What is the Driver of the Payout?
08:24 Are CDs a More-Safe Investment?
11:08 Index Annuities vs. Single-Premium Immediate Annuities
11:44 Is it possible for a FIA to have a gain of 21% in Only 1 Year?
13:51 Should I Invest in a Product With Pages of Contracts Written by Lawyers?
15:28 Are There Any Interest-Bearing Investments That Will Guarantee 10% Per Year?
17:02 Why The Fixed Index Innuity With an Income Rider is a Tool Worth Considering for Retirement

#retirementinvesting #CFP #fixedindexannuity

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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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