Articles by John
Rafferty
Vice President, Marketing
Index Cap Rates are Low. Now What?
The upside potential of indexed annuities can be strengthened for those willing to examine alternative index interest crediting methods...
Three-Legged Retirement Stool Wobbly for the Wealthy
Taking a close look at your Social Security benefits statement can get you thinking about the classic three-legged retirement stool, specifically whether it and the other two legs of the stool – traditional pension plans and personal savings such as qualified plans and IRAs – were adequate for higher income earners...
The Positive Side of Surrender Charges
Do not make a mistake of assuming the delayed income annuity has value only for those who live long enough to collect the payments...
Harness The Power Of Three In Your Practice
For eons, references have been made to the power of the number three. You can inject that power in your own practice...
The Three Certainties In Life: Death, Taxes, Easy Money Policy
At this pace, the “risk free rate” as we’ve known it for a half-century may soon be known as the “return free rate”...
Delayed Income Annuities: The Ultimate Marshmallow Experiment
Light up the sales charts with the ultimate delayed gratification product: the delayed income annuity...
Don’t Shortchange The Explanation Of Annuities' Power
Today’s annuity products are wonderful devices for addressing the increasingly complicated challenges faced by current and future retirees...
Three-Legged Retirement Stool Part I: Social Security
Two numbers bear mentioning when trying to understand the special challenges that the affluent face with regard to Social Security being a viable portion of their future retirement income: $110,100, and $2,513...
Three-Legged Retirement Stool Part II: Personal Savings
Those making over $250,000 a year have become the target of discussion where potential tax increases are concerned...
