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Retirement Planning/Expert Profile
Expertise
Annuities and life insurance only please.
Experience in the area
I am the owner of Annuity Experts, Inc., a California insurance agency that specializes in the annuity and insurance marketplace. I have authored a number of online publications that have been distributed to over 10,000 individuals over the past 4 years. I am also a financial planner and registered investment advisor with experience in the financial sector for over 10 years.
Education/Credentials
Bachelors of Science from the University of Southern California.
What do you like about this subject?
The recent innovation in annuities has created a stir of popularity, and it will only increase as insurance companies get more creative and push the envelope on their own profitability.
What do you still hope to achieve/learn in this field?
I learn something new everyday.
Something interesting about this subject that others may not know:
Not all annuities have fees...in fact only one specific type of annuity has a fee.
Something controversial or provocative about this subject
Fees, surrender periods, irrevocable contracts, mandatory annuitization, index annuities
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Helen | 09/25/09 | 10 | 10 | 10 | 10 | Thank you very much for your incredibly ..... |
| Orrin | 08/23/09 | 10 | 10 | 10 | 10 | Hi Josh: Thank you. Both Advisors suggested ..... |
| Magaly | 08/03/09 | 10 | 10 | 10 | 10 | |
| George | 08/01/09 | 10 | 10 | 10 | 10 | I liked the way my situation was ..... |
| Bob | 04/01/09 | 10 | 10 | 10 | 10 | Thank you for the prompt and very ..... |
Recent Answers from Josh Elliott
2009-11-06 Early Retirement:
She needs to speak with a retirement planner who can take a look at her situation, run some financial scenarios, and help her understand if and when she can retire at the comfort level she desiers.
2009-10-20 cashing out whole life insurance:
Hello Amanda, Thank you for your question. Without knowing the exact specifications of the policy, it is somewhat difficult to analyze, but in general, I can recommend the following: 1. If cash
2009-09-27 Thrift Savings Plan:
Hello Patrick, While the gvt Funds you are currently invested in are good, I think you can do better elsewhere depending your risk tolerance and goals. This is especially true if you will not touch
2009-09-03 Annuities:
Hello again Orrin, Jackson National has good financial ratings (A+, AA, etc.), and they are owned by Prudential LLC, which has NO relation to Prudential Financial here in the US. In my opinion, Jackson
2009-08-20 Annuities:
Hello Mr. Gordon, First, I would be very careful when advisers immediately recommend annuities, especially for more than 25% of your portfolio. As an expert in this field and someone who markets annuities
Answers by Expert:
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