Will I out live my money? Not with Annuities.

Will my money be safe? We can have your money backed by one of the largest insurance companies in the world and depending on the amount, the California Insurance Guarantee Association.

Will inflation ruin the value of my return? It is tough to give you a definitive answer. However, fixed indexed annuities afford you the opportunity to participate in market gains while at the same time put a floor under you so you will never loose money. You will be hard pressed to find a more suitable product to include in your plan.

Should I put all my money in fixed indexed annuities? No. Remember, the best approach is diversification.

Do I need long term care insurance? As I have explained, if your assets are between $150,000 and $1,500,000 you should take a serious look at it. Remember, the younger you are when you buy it the cheaper it is!

Should I consider a reverse mortgage? For most of us, a reverse mortgage should be the place of last resort. However, if your assets are modest and you are having difficulty making ends meet you should consider one. Also, if you don’t have the money for a new roof, a new car, or some other significant expense it can be a sensible source for you.

Should I have a Will or a Trust? My attorney tells me that people with very modest and simple situations can do fine with a Will. However, a Trust can do so much more for you. If a Living Trust is done correctly, you can bypass probate and are able to address complicated situations much more effectively. Situations like children from multiple marriages, a handicapped child, an irresponsible child or a child married to an irresponsible person to name a few. My wife and I had a Living Trust drawn up years ago.

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