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	  <title>Annuity IQ Personal Finance Archive</title>
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	  <description><![CDATA[Past articles from Annuity IQ's Scott DeMonte.]]></description>

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		<pubDate>Thu, 20 Nov 2008 15:20:27 MST</pubDate>
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		<title>When Did We Decide?</title>
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		<pubDate>Fri, 06 Oct 2006 01:00:00 MDT</pubDate>
		<description><![CDATA[<table border='0'><tr><td valign='top'></td><td valign='top'>When did we decide no advice was better than getting advice from experts? When it comes to investing your money, getting sound financial advice is key and so important. Somewhere along the way many people decided no advice is the way to go, this is astounding and scary.  </td></tr></table> ]]></description>
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		<title>Do You Have an Income Plan?</title>
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		<pubDate>Fri, 06 Oct 2006 01:00:00 MDT</pubDate>
		<description><![CDATA[<table border='0'><tr><td valign='top'></td><td valign='top'>When people start planning for retirement, they generally invest their money into stocks, bonds, mutual funds and money market accounts. What people pay the most attention to is the accumulation phase of retirement, and what they least plan for is the income planning stage of their post retirement years.</td></tr></table> ]]></description>
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		<title>The Best Way to Generate Income</title>
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		<pubDate>Tue, 10 Oct 2006 01:00:00 MDT</pubDate>
		<description><![CDATA[<table border='0'><tr><td valign='top'></td><td valign='top'>The Best Way to Generate Income After Retirement</span><br>
  <br>
  By: <a href="http://www.annuityiq.com">Scott DeMonte</a><br>
  October 2, 2006<br>
  <br>
    As we all know, pensions are going by the wayside.  They are either under funded or being closed by the sponsors. With the end of the traditional pension, the question arises: ?How do you plan for post retirement income??
  <br>
  <br>
    Social Security will provide you with some income, but chances are it will not be enough to fund your retirement years. You will have to rely upon your personal savings to generate the income you want. What are your post retirement income options?<a href="/generateincome.html"> Full Story Here</a>
<br>
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		<title>What You Need to Know About Captive Agents</title>
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		<description><![CDATA[<table border='0'><tr><td valign='top'></td><td valign='top'>What You Need to Know About Captive Agents        </span><br>
  <br>
    September 25th 2006<br>
  <br>
    By: <a href="http://www.annuityiq.com">Scott DeMonte</a>    <br>
    <br>
    I recently received an email from an investor inquiring about working with their captive agent. They asked:
    <br>
     <br>
    Q:<em> I work with an advisor at (deleted to protect the innocent) company. I have been happy with their service and my account's performance, but I have a question. All of my mutual funds and annuities are from the same company (the same company as the advisor worked for, name deleted) why is that? <br>
  </em><br>
    A: Well, when you work with a captive agent they are usually limited to what they can offer. Although, not always a bad thing, it is not exactly unbiased advice that you are receiving. What you need to know about captive agents, people who can only sell their firm's investments, is that they cannot sell whatever they like. They can only sell investments offered by their company. <br>
  <br>
    The issue we have with captive agents is that they are trained to believe that their products are superior to all others, this may be true, but it is unlikely. Even if they can sell other firms' products, often times their own company's product pays them a higher commission or they have other incentives to sell their proprietary products. <a href="/captiveagent.html">Full Story Here</a></div></td></tr></table> ]]></description>
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		<title>Retirement Income Planning, continued</title>
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		<pubDate>Tue, 31 Oct 2006 00:00:00 MST</pubDate>
		<description><![CDATA[<table border='0'><tr><td valign='top'></td><td valign='top'>Retirement Income Planning, continued 

By: Scott DeMonte
October 2, 2006

As we all know, pensions are going by the wayside. They are either under funded or being closed by the sponsors. With the end of the traditional pension, the question arises: ?How do you plan for post retirement income?? 

Social Security will provide you with some income, but chances are it will not be enough to fund your retirement years. You will have to rely upon your personal savings to generate the income you want. What are your post retirement income options?Full story Here </td></tr></table> ]]></description>
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		<title>Traditional Fixed Annuities Have New Competition</title>
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		<pubDate>Mon, 11 Dec 2006 00:00:00 MST</pubDate>
		<description><![CDATA[<table border='0'><tr><td valign='top'></td><td valign='top'>10/24/2006
<br>
<br>
By: <a href="http://www.annuityiq.com">Scott DeMonte</a><br>
<br>
Have you ever bought or sold a fixed annuity that had a great introduction interest rate for the first year only to see the interest rate go down and never go back up again? Unfortunately, the answer to that question is yes. Now, not all fixed annuities do have that track record and there are certainly some annuities that lock in interest rates for a designated period of time.<a href="http://www.annuityiq.com/capitalgains.html"> Full Story Here</a></div>

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