Presented by David Corwin We are all financial professionals and our role is to fit the proper product and planning to the problem the client is trying to solve. When positioning an annuity, sometimes we think the product with the most options available is the proper tool, when often it’s not the best approach. Nothing is free and riders typically have a cost that can impact the ultimate solution that we’re trying to provide. With improper planning we can end up with the “never gonna use” riders (I call them NGU’s). In many situations, the simple, “vanilla” indexed annuity can benefit your clients and avoid the cost of the NGU riders. With all the moving parts in annuities today, we can narrow down our carrier and product choices by simply finding out the end goal for the asset. Are they simply trying to protect retirement funds from market losses, trying to provide lifetime income today or in the future or just re-positioning CD/money market funds for a short period looking for a better return? Finding out the answer to those questions certainly narrows down the choices, provides a better product fit and gives you more credibility today and in the future. I can help you navigate the wide-array of product choices and find the solution that makes the most sense for each client-specific situation. Give me a call today at 800-397-9999!