Thomas R. Kestler, CFP®, CLU®, ChFC®, CMFC®, CSA®

Author Archives

Tortoise vs. Hare: 3 Reasons Why Fixed Income Annuities Win the Investment Race

Tortoise and Hare Race

People love get-rich-quick schemes, from the Tulip craze of 1637 and Bernie Madoff, to lottery fever and Bitcoin. There’s only one problem: substantial research shows that slow and steady wins the race.

For example, in a recent paper by Barclays and co-authored by Dr. Robert Shiller entitled “Investment Characteristics of FIAs,” the authors uncovered three remarkable trends regarding long-term investing.


8 Reasons to Break Up Big Annuity Contracts into Bite-Sized Ones

8 Reasons to Break Up Big Annuity Contracts into Bite-Sized Ones

Do you have a client who is considering a potentially large annuity purchase? If so, you may want to consider the benefits of breaking up the big contract into smaller, bite-sized ones instead. Here’s why.