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Hello, looking at buying a 10Yr MYGA thru Reliance Standard. They look to be rated A++. Does anybody have experience with this company , thanks

Hello, anyone try to access TreasuryDirect and have issues this AM? It was down this weekend for maintenance Thanks

Good AM. I am thinking about breaking some under 3% CD's . There is a harsh penalty; Maybe 365 EWP. I will probably get a 1099-INT for money earned. (not retirement account) But will have a penalty so not really getting the interest in my pocket. How do you and can you record that penalty...

Good Morning,. I came across this Annuity offer last night from Ibexis. Never heard of them, Has anyone dealt with them? The rates are rather enticing and they look to have a good rating. 100K plus 6.15% for 5 years and 6% for 7 years. Have many Cd's coming due and am looking for deferred...

I am looking at breaking a couple of 2.6% CD's (which do not mature till 2026) and putting them into 4.7 for 5 years. I know there will be a 365 day interest penalty. Will I get taxed for the interest and be able to write off the penalty? It is enough to break, being over 200k. Thanks

DW (wife) turning 65 in January. She has a ton of questions. Our taxable income with interest and other items will be between 200k and 400k for the next few years. Probably never below 200k. Any advice would be great. Medigap, medical advantage. Part A and B, Plan G. I really have no idea on...

Has anyone bought an MYGA from North American Company? . They also sell other types of insurance. They are rated A+ and have been around for many years.

As I am planning on retiring (or at least cutting back..alot) the middle of next year I am trying to get to a lower tax bracket. I have been buying MYGA's over the last year. I have put together a concept on withdrawals: Building a MYGA ladder so every year I would only have to pay tax on...

I'm thinking about pulling my CD interest at a credit union (penalty free) and putting it into a MYGA at 4.3% for 6 years. Cd's averaging 3.2% and coming due between 2-4 years from this month. This is just the interest, principle will keep drawing interest till due time. Amount is under...

I have purchased an Americo Deferred Annuity thru Blueprint Income. I cannot find a customer portal for Americo online. I have bought other company annuities and am able to build a client profile on their website. Does any else have products with Americao and have the same questions? issues?

Good morning, Has anyone used this company to buy fixed annuities? Looks like they go thru company called an insurance company called Puritan . They are licensed in my state and my state backs up annuities up to $250k. I have some CD's coming due and bank rates are terrible The rates are...

Just started a small consulting company. CPA says I should start a Solo 401K . I am with Fidelity now. Has anyone on forum had any experience with this? Thanks

Happy Holidays. Here is my situation. Married 2.5 decades sold company and am not 60 yet. No children, no mortgage no crazy lifestyle. Have been working, saving etc forever. Used my time to make money but never spent much time really studying investing. That being said we have a rather...

First of all , Happy Labor Day weekend. I appreciate the forum and its members. Almost like AA, But SS - Hello, Im ( ) and I'm a Super Saver. Our net worth is over 9.5M right now. Our situation is all of our friends who are doing OK are spending and showing off everything they have, Pools...

I have a brokered cd paying 3.3% and it comes due 4/2/2024. I paid $ 320k for 10 year term. Interest goes into a sweep account. It is showing a value of $350k right now. Would it be wide to sell it now and put it into a 5 year Mutual of Ohama fixed annuity I just opened paying 2.6% for the next...

I have put in motion to sell my business. Started it over 20 years ago. I'm 54 DW is 61 and retired. Quite a mental shock when it really comes to doing the deed. Situation is a follows Sale price 2.5M, getting chk at closing for 1.9M tax should be about 600K. Will be owed 600k over the next...

Have a friend who has sent me some info on St. James Trading / Private Platform Trading. Has anyone heard or dealt with this group? He says it looks like an easy 12-14% return. Same friend is also involved in some Columbian Hardwood deal that has been in the works for 15 years and is finally...

This may not be the place to post this but always get great advice and some FI folks may have dealt with this. This week I have a meeting to finalize a new company with three other partners. I would be the financial backer at least for the first year. I have always believed (and comments would...

I have a great opportunity to sell my company to a couple of long term employees. I will still have to stay on for about a year and maybe consult after that .. part time. Our conservative passive income (before taxes, limited because of muni bond ladder) will be around $4000 per week. We do not...

I am working on my taxes with my CPA this week. We had a conversation about everyone becoming sue happy. After working and saving for many years I wouldn't like to become a victim of a frivolous lawsuit. CPA spoke of trusts, annuities, etc. Anyone else have these fears? Need some advice on what...

Hello, My brother in law gave me so e advice today, said I should invest in a S & P Index fund. He suggested Fidelity. Anyone have an opinion on this? Always been probably too conservative, muni bonds, certificates of deposits, etc.. Happy holidays

Good Morning, I was looking on Fidelity today and Wells Fargo has a 20 year Cd for 3.2% Callable beginning in 2022. Was thinking about putting some money into that cd. Any thoughts?

I have a CD coming due this week right at $250k. I have someone offering a Pacific Life Annuity paying 3% for 10 years. Basically you get your money back and the interest after ten years and are taxed on the money the year the product matures. Also looking at 5 -10 year cd's which I could find...

Hello, Here is me and the DW situation. We are both in our early 50's. Have minimal deductions, no small children, house payments etc. She maxes out her 401k, I have no retirement program at work. Our income includes about $140k per year of taxable CD interest. I have saved 300k in a SEP years...

Happy New Year. Been saving money and socking it away. Have enough to ER but not going to happen in the next 5 years. Want to but a Corvette and can swing it, but can't break down the mental block of spending money on something I really do not need. For those who have been saving and been...