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David Novak
David Novak
Oct 27, 2016 7 min read

$100,000 Lump Sum Investment Grows to...5 Years10 Years15 Years20 Years25 Years3% Tax Deferred*11,59313,43915,58018,06120,9383% Taxed Annually**11,12812,38313,77915,33317,0624% Tax Deferred12,16714,80...

Tax vs. Non-Tax Yield
David Novak
David Novak
Aug 22, 2016 11 min read

Most states have guaranty funds to help pay the claims of financially impaired insurance companies. State laws specify the lines of insurance covered by these funds and the dollar limits payable. Cove...

Life and Health Guaranty Associations
David Novak
David Novak
May 24, 2016 3 min read

Clients approaching retirement or already retired are seeking ways to minimize market risk on their retirement assets. Some may have suffered market losses and need time for them to recover. Incorpora...

Single Premium Immediate Annuities
David Novak
David Novak
Mar 10, 2016 5 min read

The Index Credit Rate for this option is based on 12 monthly percentage changes in the S&P 500® Index over the course of a 12-month period. Each month’s positive percentage change is limited by a C...

Monthly Point-to-Point Option
David Novak
David Novak
Sep 16, 2015 6 min read

Market Volatility: Looking for OpportunityIn Chinese, the word "crisis" is composed of two parts. One symbolizes "danger;" the other represents "opportunity." If you can keep your head while all aroun...

Market Volatility
David Novak
David Novak
Jun 06, 2015 4 min read

GAO Report Suggests Annuities as Retirement Income OptionThe U.S. Government Accountability Office (GAO) reports that financial experts typically recommend that middle-net-worth retirees use a portion...

Annuities As A Retirement Income Option
David Novak
David Novak
Apr 09, 2015 3 min read

Find out which one is best for you.It can always be a bit challenging trying to decide which is the best way to invest your money for retirement. You understand the importance of diversifying your por...

Fixed Deferred Annuity vs. Bank CD
David Novak
David Novak
Feb 14, 2015 3 min read

Are nearing retirement or are retired (age 55+)You may be interested in adding to your retirement nest egg.Are looking for guaranteesYou may like the issuing insurance company’s guarantees of stabil...

Is a Fixed Indexed Annuity Right for You?
David Novak
David Novak
Dec 12, 2014 13 min read

A Living Trust is not really complete without utilizing the control and asset transfer benefits of a fully funded living trust.It is common knowledge that the primary purpose of an annuity is to help...

Benefits From Living Trusts

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Accumulation Period
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The accumulation period is the first of two principal phases that deferred annuities go th...

Balancing Your Investment Choices with Asset Allocation
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Balancing Your Investment Choices with Asset Allocation

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