Fixed Index Annuities: Too Good to Be True? You’ve probably heard the ads or listened to financial…

Fixed Index Annuities: Too Good to Be True?

You’ve probably heard the ads or listened to financial advisor radio shows pitching guaranteed income, no market losses, and steady returns—it might sound like the perfect solution. But what are you really signing up for? Hold on to your wallet, because that advisor is selling a FIXED INDEX ANNUITY!

In this video we’ll uncover:

• Why FIAs are not risk-free (despite the sales pitch)
• What’s really happening “under the hood” with your money
• How fees, caps, and missed dividends drastically reduce returns
• The real-world danger of relying on one market day a year to determine your return
• Why FIAs can feel like financial handcuffs with long and expensive surrender periods
• What you give up when you elect “guaranteed” income
• And how some advisors use fear tactics to push these products

Please visit our website to get more information: https://ift.tt/o0JuhRn

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
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🔗 Stay Connected With Us.

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📩 For business inquiries: mpalmer@ark-wealth.com

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based fee-only financial planning firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

🔔 Want to make smarter decisions with your money? Subscribe for expert insights on investing, financial planning, retirement, and tax-saving strategies.
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May 27, 2025 at 06:30PM

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Pension Buyout? Should You Take a Lump Sum or Lifetime Income? Have you been offered a pension…

Pension Buyout? Should You Take a Lump Sum or Lifetime Income?

Have you been offered a pension buyout and are unsure of what you should do? You aren’t alone. Watch this video to learn key considerations for how to maximize a pension buyout. # pension #retirementplanning # annuity

Today we’re diving into a topic that can have a major impact on your retirement—pension buyouts. If you’re among the millions of Americans still covered by a defined-benefit pension, this video is for you.

🔍 In this video you’ll learn:

What is a pension buyout?

How does federal PBGC protection change when your employer transfers your pension to an insurer?

State guaranty association limits vs. PBGC caps (e.g. NC’s $300K annuity protection vs. PBGC’s $7,400/mo guarantee)

Key considerations:
• Reading your “Notice of Annuity Contract”
• Calculating the implied rate of return on an insurer-issued annuity
• Comparing an annuity vs. lump-sum offer (and rollover strategies)

⚠️ Why it matters:
Once your pension payments move to an insurance company, PBGC’s guarantee ends and your security relies on state insurance guaranty limits. Understanding these differences—and their dollar caps—can save you from unpleasant surprises down the road.

👍 If you found this helpful, hit Like, Subscribe, and ring the 🔔 to stay updated on retirement and financial planning strategies.

❓ Got questions or a pension buyout offer in hand? Drop a comment below or give us a call—we’re here to help you make the best decision for your future.

Please visit our website to get more information: https://ift.tt/Jqkw6jm

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
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🔗 Stay Connected With Us.

Facebook: https://ift.tt/zOXQqiw
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=============================

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

🔔 Want to make smarter decisions with your money? Subscribe for expert insights on investing, financial planning, retirement, and tax-saving strategies.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

=================================

🔎 Related Phrases:

#retirementplanning #fixedindexannuity #pension

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May 17, 2025 at 11:59PM

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Is Your Financial Advisor Really On Your Side? Why Fee-Only Could Save You Thousands

 

Think your financial advisor is always giving you unbiased advice? #feeonly #fiduciaryadvisor #financialplanning

Let's pull back the curtain and see why fee-only advisors may offer a smarter, conflict-free approach. Please visit our website to get more information: https://www.ark-wealth.com/ In this video, I’m exposing one of the most misunderstood myths in financial planning: that advisors without an insurance license are somehow less qualified. The truth? Many advisors use commission-based products that create hidden conflicts of interest. I explain why working with a fee-only fiduciary can protect your finances from sales-driven recommendations, and how understanding the difference between a 'commission-first' advisor and a true 'fee-only' fiduciary could save you thousands in unnecessary fees. At Ark Royal Wealth Management, we proudly put your interests first, always. Whether you need insurance planning or investment advice, we provide objective recommendations, not product sales pitches. In this video, Mike explains: ✅ Why having an insurance license doesn’t make an advisor more qualified ✅ The hidden conflicts behind commission-based advice ✅ The difference between a “commission-first” advisor and a true fee-only fiduciary advisor ✅ How Ark Royal is truthful, trustworthy, and transparent ✅ Why fee-only advice could save you money and stress in the long run 📞 Call us to schedule a complimentary consultation 9at 19-710-8665 or book an appointment online: https://calendly.com/mpalmer-1/phonec... If you’ve been wondering if your current advisor is working for you or their commission check, this video will help you see the difference. 🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.    / @arkroyalwealthmanagement   🔗 Stay Connected With Us. Facebook:   / arkroyalwealth   LinkedIn:   / mike-palmer-b2673a7   Website: https://www.ark-wealth.com/ 📩 For business inquiries: mpalmer@ark-wealth.com ============================= 🎬Suggested videos for you: ▶️    • How To Protect Your Retirement From A...   ▶️    • Why You Should Think Twice Before Tak...   ▶️    • Dimensional Funds Vs Index Funds: Why...   ▶️    • Why Monte Carlo Simulations Could Sav...   ▶️    • Backdoor Roth IRA Mistakes That Could...   ================================= 🔎 Related Phrases: Is Your Financial Advisor Really On Your Side, Why Fee-Only Could Save You Thousands, Fee Only Vs Commission Advisor, Financial Advisor Hidden Costs, Fee Only Financial Planning Explained, Fiduciary Vs Broker Advisor, How To Spot A Commission-First Advisor, Financial Advisor Red Flags, Best Fee Only Advisor Near Me, How Financial Advisors Get Paid, Objective Financial Planning, Ark Royal Wealth Management #feeonly #fiduciaryadvisor #financialplanning #commissionadvisor #investmentadvice #wealthmanagement #personalfinance #financialadvisorredflags #retirementplanning