127 - Annuities 101: The Good, the Bad, and the Ugly

Bob and Shawn discuss the pros and cons of an annuity, i.e. the good, the bad, and the ugly. What exactly is an annuity? It is an insurance contract issued and distributed by financial institutions with the intention of paying out invested funds in a fixed income stream in the future. We discuss the types of annuities – variable annuities, fixed annuities, and fixed indexed annuities.

Did you know many annuities don’t require you to be a financial advisor to sell them? This is why it is so important to always go through a fiduciary-based investment advisor when dealing with annuities and other investment products. For example, fixed and fixed indexed annuities are the MOST sold annuities but are NOT regulated by the SEC or FINRA, which can lead to abusive selling practices. This, along with several other issues, may lead to severe complications in the future for investors. There are some good qualities as well, which are also touched upon in this episode, but we want you to get the full story.

Christian Financial Perspectives Episode 127

*About Christian Financial Perspectives*
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than heaven and hell combined.

*About Christian Financial Advisors®*
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values-based advice into financial planning, retirement planning, and investment management.

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_Investment advisory services offered through Christian Investment Advisors, Inc DBA Christian Financial Advisors, a registered investment advisor. Registration as
an investment advisor does not imply a certain level of skill or training. Comments from today's show are for informational purposes only, and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts' Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._