Stephen J. Kelley

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Annuities often get a bum rap, generally from market-based planners who view them as a threat, or other financial advisers that don’t really understand them very well. However, once you do understand how they work, it’s easy to see why nearly everyone would want them as a component of their portfolio. Notice I wrote “component.” […]
Evil commissions vs noble fees
When magical thinking trumps reality
The unimaginable unmentionables
The hysterical truth about historical returns
Advice from the ‘Social Security guy’
Getting ready for the real McCoy
Losses hurt more than gains help
Rigged for success