Recent content by JohnF

  1. J

    48 and wishing, hoping, planning all my life..

    Thanks Brewer and Bestwifeever...I appreciate all of your feedback...no more sales from this salesman...lol
  2. J

    Hi. Want to FIRE in 2 or 3 years, need asset allocation advice

    Travelover...i just finished answering some other comments regarding mine. I am more than willing to learn about other solutions that people have in mind...do share.
  3. J

    48 and wishing, hoping, planning all my life..

    Brew, one more thing...it's not so straight forward when you have four or five compounding questions at once. I hope I answered everything else.
  4. J

    48 and wishing, hoping, planning all my life..

    brewer12345 Brewer, We disclose any fees up front to our clients. Typically the only cost are for additional riders. I only deal with fixed and fixed indexed products for clarification. All product disclosures are discussed so there are no surprises. I am more than willing to disclose the...
  5. J

    48 and wishing, hoping, planning all my life..

    All, I thought this forum was about discussing options. I never once gave a sales pitch for anything that I do. I simply put it out there as to what I do. I do not recommend any one product to a client...we have a discussion and we lay out options. Sometimes it fits their needs, sometimes it...
  6. J

    48 and wishing, hoping, planning all my life..

    No, I don't recommend one way or another. I work as an independent broker so I provide my clients with several options based on their requests. I think anyone should do their own due diligence to make sure they are getting the best deal available. My main thing now is to put your retirement...
  7. J

    48 and wishing, hoping, planning all my life..

    Agree with donheff...you can lock into guaranteed annuity income starting at 4% on up to 8% and increasing every 5 years or so . There are a few companies that also provide a boost to your accumulation AND income balances (5-15%)...may be very attractive for you given the balance you currently...
  8. J

    Hi. Want to FIRE in 2 or 3 years, need asset allocation advice

    Worker Bee, I assume there is at least a 10yr window to your retirement. I am not sure what your thoughts are on annuities but there are some products that allow for 4-8% withdrawals (with an income rider) that is guaranteed for life. I do not know what state you are in, but there are a few...
  9. J

    What to do with $100K? 52, retired spouse, taxes eating us alive!

    Own2Feet, Does that monthly payment include P&I?
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