CFP® Explains: 8-10% Guaranteed Annuity Rates? NOT SO FAST!

Have you read the newspaper ads for annuities that promise 8-10% guaranteed returns each year? Can this really be true? Join Julia Lembcke, CERTIFIED FINANCIAL PLANNER™ and Managing Director of URS Advisory, as she uncovers how fixed indexed annuities really work- the good, the bad, and the ugly. 0:00- Introduction 1:00- The Two Separate Account Values of FIAs 2:00- Explaining the Phantom Account Value/Income Rider Base 3:40- FIAs with Income Riders for Pension Rollovers 3:58- FIA Terms to Avoid 4:32- Pros and Cons of FIAs for Guaranteed Income 4:53- FIAs for Safe Growth 5:29- Example of the Spread Strategy 5:58- Example of the Cap Strategy 6:25- Example of the Participation Rate Strategy 6:43- My Favorite Strategy- The Performance Trigger 7:56- The Pros to a Good FIA 8:38- Tips for Investing in an FIA 9:55- Conclusion and final thoughts Check out all of my videos on annuities! 1) My FAVORITE Fixed Annuity- https://www.youtube.com/watch?v=qdyQauxaVF8&t=17s 2) All About Annuities- https://www.youtube.com/watch?v=saVbi16SMQY&t=39s Join our Email List: https://mailchi.mp/ursadvisory/stay-connected Schedule a 20-minute Conversation: https://www.ursadvisory.com/retirement-roadmap Opinions expressed herein are solely those of URS Advisory. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your financial adviser or qualified professional before making any financial decisions. #FinancialPlanning #WealthManagement #RetirementPlanning #InvestmentStrategy #FinancialFreedom #retirementsavings #fixedannuities #annuities #variableannuities #fixedindexedannuities #taxplanning