You don't date an annuity, you marry it. An annuity isn't a mutual fund that you buy today and sell tomorrow. Nor is it a certificate of deposit, ready for any new use at maturity. When you buy an annuity, you are making (or ought to be making) a 15- or 20-year commitment, at least.

No one knows what stocks will do tomorrow, but the evidence is clear as to how they'll perform over 10 or 20 years. They will almost certainly go up.

hindsight is not a strategy.

Everyone said, 'You can't lose money in real estate, because they're not making any more of it.' Hmmmm. Where did everyone go wrong?

Life insurance can be numbingly complicated. Clients often turn off their brains and surrender their judgment to the very agent or planner who brought on their coma in the first place.

Everyone needs a small-town banker. Especially in a big town.

It's a fact: stock investors sometimes lose money on their way to wealth. Get over it.