IXRAY ANNUITIES

I realize Joe does not know the inner workings of these products. He seems to have a bad taste in his mouth from some of the evil annuity sales people. There are clearly evil annuity sales people. I caution people to throw the baby out with the bath water... I personally don't use Fixed Index Annuities for growth. My main purpose for ever using a FIA is for the future income it can provide... Real Return - I don't care, this not why I ever use an index annuity. If someone needs something more than future income, such as growth, I would opt for Joe's asset management, not an FIA.