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As an investor considering annuities, you need to know as much as possible  about the person assisting you to understand their beliefs and biases.  This due diligence is especially important online when you might not meet face to face.  You should read our Retirement Thesis as well

Annuities are financial products generally sold by licensed insurance agents.  Some insurance companies have ‘captive’ agents who can only sell products of that company.  Captive agents can easily spin this into ‘ I have exclusive access to this annuity…”

But ‘Exclusive’ works two ways- a captive agent’s annuity may be exclusive to that company, but the rest of the annuity universe is excluded from that captive agent as well.

Bottom line, when selecting annuities, you should also be selecting the agent who you feel has your best interests at heart, has the best available selection, and who gives you the best service.  That agent deserves your business, and we want AnnuityAce to fill that role for you.

So What Is AnnuityAce All About?

At Annuity Ace, our Financial Planning practice focuses on Guaranteed, Safe Retirement Income.  We build Financial Plans from sources that offer the optimal combination of Safety, Flexibility, Profitability, and Longevity benefits that are appropriate to you, our Client.

In accumulation years, investors are bombarded with yield, funds, opportunities…and they take chances in exchange for growth. However, generating retirement income is an equally crucial component of financial planning that is sorely overlooked by the vast majority of  investment professionals.  Too often, there is a focus on yield, and risk is not truly understood or contained.

Most standard models call for investors to allocate a percentage of their money to stocks or bonds, and then target a withdrawal rate.  Running multi-scenario and historical tests can give a probability of failure, meaning the risk of the investor outliving assets.

Well, the events of 2008-2009 stressed those models past breaking.  Few thought of the possibility of losing 30-40% of their net worth, especially in the early years of retirment that are the most critical.

We view any probability of failure as unacceptable.

Retirement income planning- the rational de-cumulation of wealth- requires an honest assessment of needs first.  Determining baseline income needs will produce a floor level of income to plan for.

Finding the  right guaranteed sources of income- Social Security, Annuities, and Insurance- to fill the baseline retirement income needs of our clients,  is our mission at AnnuityAce.

Who Are The People At AnnuityAce?

Nathaniel M. Pulsifer

Than Pulsifer, Principal of AnnuityAce.com

Annuity Ace is Nathaniel M. Pulsifer and a select group of affiliated insurance and retirement income experts.   We are licensed in many states and have relationships with the best annuity issuers in the nation. Yes, we sell annuities, but you will find no high pressure sales here.

Instead, we seek to first educate our clients and make them aware of how we think and analyze situations, through our various websites.  Our clients are informed first, and appreciate the facts, in plain English, about annuities.

This site is designed to educate you, simplify your decision process, and also illustrate how we work, so that when you do call us, you know who we are and how we think.  By fully discussing the pros and cons of each kind of annuity, visitors and potential clients have the tools to make their own decisions based on on facts, and not on marketing hype.

If you have any questions, need a little expert advice, or are ready to secure your retirement with an annuity purchase,  Click Here To Start The Process

“For all time periods and for all portfolios, the addition of the annuity leads to a decline in the portfolio failure rates.”

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