May 2013 - Creative Edge

Fidelity & Guaranty Life’s Simplicity Elite Fixed Deferred Annuity: An Easy Income Solution

FGL Simplicity Elite

“Everything should be made as simple as possible, but no simpler.” – Albert Einstein* Although 80 years old, Einstein’s comment related to theoretical physics can be applied to today’s income planning solutions. The annuity income sale process has evolved considerably over the last decade. It used to be simple. Just solve for how much payout… Read More


Now Is the New ‘Golden Age’ As We Advise Clients

One of my colleagues, Paul McGillivray, recently graced me with his paperback copy of The Life and Times of the Thunderbolt Kid, Bill Bryon’s paean to growing up in Des Moines, Iowa in the halcyon decade of the 50s and the tumultuous 60s. Growing up in the Des Moines area myself, born but 4 years… Read More