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Expert Profile: Josh Elliott

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.

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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
Prestige Points: 160
Knowledge   10.0   Best of the best
Clarity of Response   10.0   Best of the best
Timeliness   10.0   Best of the best
Politeness   10.0   Best of the best
Number Of Questions
(in Past 24 Hours)
0
Max Questions to be Asked
(in 24 Hour period)
5
Total Questions
(since joining AllExperts)
16
Recent Reviews from Users
KnowlClarityTimePolitenessDate
1010101011/19/08
1010101009/11/08
1010101007/22/08
1010101006/09/08
1010101002/11/08
User Comments
Thank you Josh, that has answered my question and very timely..
(Marsha on 11/19/08)
Many thanks. Very helpful. Steve
(Steve on 09/11/08)
Thank you the company got back to me with the same reply of yours. thanks gain
(Grace on 07/22/08)
Excellent and clear response, exactly what I needed
(Mark on 02/11/08)
View All Comments
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Recent Answers from Josh Elliott
2008-11-19  Cashing Out Variable Annuity Hello Marsha, The 10% IRS penalty is only on the gains in the contract, and if you do not have any gains, then there is no tax penalty. As always with tax questions, please check with your CPA or tax...
2008-09-10  Non-taxable annuity? Hi Steve, Great question - something that has been suggested to the insurance companies, but the answer is No, it does not exist. You could (or in conjunction with an advisor), however, build something...
2008-05-23  thrift saving The minimum age to take your money without an IRS penality is 59 1/2. However, the IRS also allows something called a 72t distribution before age 59 1/2, which allows you to take periodic distributions...
2008-05-21  401K There is typically no restriction on how long you can keep your 401k unless your employer or the company that handles the plan has such restrictions. The IRS requires you take distributions from any qualified...
2008-02-23  annuties Hello Mr. Horney, Not exactly sure what your question is. John Hancock sells both life insurance and annuities, so did you switch from life insurance to an annuity recently? If so, when, why and which...
More Answers for "Retirement Planning"


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