What information? If you had a lump on your neck and call the doctor and the doctor say's "I really need you to come in so I can take a look at it in person," you would not say "just send me the information" because you know that there is too much information to send. It is the same here. There are hundreds of insurance companies with 2-10 products a piece. We need to assess your situation, first so we can present the information that you NEED, not all of the information we can possibly put together. That would be overwhelming.

Your money is probably in stocks, bonds, and mutual funds. Companies that manage money in this area will often disappear and lose money. It is incredibly rare for that to happen in the fixed annuity and life insurance industry. The poster child for annuities was Babe Ruth who invested millions and lost nothing during the great depression. Can you think of an insurance company that's gone out of business in the last 100 years? Insurance Companies just don't go under.

First of all, we congratulate you for taking care of your retirement. Wouldn't it be good though to get a second opinion? If you go to a doctor and they give you a diagnosis, wouldn't you want to get a second opinion before making decisions? Retirement should not be any different. What we do is help people protect the money that they have saved for retirement.

We think that is a great idea! We love to schedule time for all of us to get together next time. Our job is to help you navigate figuring out what is best for your situation, and it is our responsibility to ensure that what we talk about is represented when considering other options. If you want to meet up with someone who handles your risk accounts, and it is set up as a fee-based service, keep in mind that the other individual or company makes money on you regardless of how your account performs.

A fiduciary is a person in a position of financial trust. Attorneys, accountants, trust officers, pension plan trustees, stockbrokers and insurance agents are all considered fiduciaries. Insurance agents and brokers may owe a fiduciary duty to both to the companies they represent and to the insurance buying public.

An agent promoting risk products will estimate that you will earn x amount by the time you retire, but how do they know that? They can't predict the future. It is like walking into a casino and saying you will walk out with a bunch of money. They will throw around the term "diversified" as you invest your money into different risk investments, but we could play each game at the casino and call it "diversified" as well. If each game is designed to take our money then it doesn't matter how many games we play. We can close. No one can predict the future. Certain type of life insurance policies and fixed annuities allow us to stop worrying about the risk associated with a volatile market.