Plain-English, analogy-driven guides with the downsides included. No jargon walls, no hype, and a named human reviewing the money-sensitive ones. Browse by topic.
Social Security timing, income floors, longevity, and sequence risk.
BrowseThe rate environment, CD and bond comparisons, and MYGA laddering.
BrowseRMDs, inherited annuities, 1035 exchanges, rollovers, and QLAC rules.
BrowseLife insurance, beneficiaries, estate basics, and final expense.
BrowseAdvisor selection, the CAA designation, fee models, and red flags.
BrowseMonthly commentary on where annuity rates are moving, and why.
BrowseThe honest-educator pieces people come back to. The differentiators live here.
The honest situations where an annuity is the wrong tool.
The pressure tactics and hidden costs to watch for.
Rate, taxes, safety, and liquidity, compared plainly.
A side-by-side of every annuity type in one place.
When protection alone beats protection plus upside.
How to read an insurer's financial strength.
The library is expanding. Guides marked coming soon are being written to the same honest-educator standard.
The newest guides and Rate Watch notes, straight from the editors.
Buy now or wait is not a rate forecast question, because nobody can reliably forecast rates. It is three practical questions: when do you actually need…
Before buying an annuity or any other income product, answer seven questions: what your essentials cost each month, what guaranteed income you already have, the dollar…
When a multi-year guaranteed annuity (MYGA) reaches the end of its term, you generally have three moves: renew into a new guaranteed period with the same…
A SPIA converts your lump sum into lifetime payments and the lump sum is gone. An income rider on a deferred annuity pays lifetime withdrawals while…
The cost of waiting to buy an annuity is not a forecast. It is the interest your money does not earn while it sits in a…
An annuity rider is an optional add-on to the base contract that changes what the contract does, usually for a fee. The main families are income…
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