"When you read about the debates, and people who talk in absolutes that annuities are terrible or the greatest thing, they’re really neither. There’s no such thing as an all-bad or all-good investment. You have to look at your overall investing strategy." —Barry Streit

This week on the David Lukas Show, David and Tony Walker discuss how just as all savers are not the same, neither are annuities. And, unfortunately, because annuities have continuously received a bad rap from the financial sector, savers tend to be skeptical about their true value.

Throughout the hour, Tony and David explain how annuities are perfect for savers that want guaranteed income for life while minimizing risk in the stock market. And just as pensions once guaranteed monthly Mailbox Money® so do annuities through the WorryFree Retirement®.

If you’re interested in hearing about the different types of annuities available to you, listen to the entire episode today!

*We know that savers are attracted to bank products, understandably, but while banking interest gains remain low, lost opportunity costs cause wealth erosion that can’t be made back. Big decisions should be based on specialized knowledge. David Lukas Financial has the knowledge you need to make the informed decisions necessary to plan your WorryFree Retirement®.

To learn more about how Annuities can benefit you and your retirement portfolio, call David Lukas, (501) 218-8880, at David Lukas Financial today.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at 3Personalities.com

Also, coming mid July is David Lukas Financial’s Retirement 101 Workshop. Visit David Lukas Financial to register today!

– Fifth in the ED Series –

When it comes to financial advisors’ and retirement specialists’ overall feelings about annuities, there will undoubtedly be differences of opinion.

Just as many FAs dislike and refuse to recommend annuities for their clients, equally as many retirement specialists suggest annuities as a fail-safe way to protect and set aside some, if not most, of an investor's assets specifically for retirement.

When it comes to financial advisors’ and retirement specialists’ overall feelings about annuities, there will undoubtedly be differences of opinion. Just as many FAs dislike and refuse to recommend annuities for their clients, equally as many retirement specialists suggest annuities as a fail-safe way to protect and set aside some, if not most, of an investor's assets specifically for retirement.

During this week’s show, the latest installment of the Annuities Ed Series, David and his special guest and mentor Tony Walker speak openly and honestly about the good, the bad, and the ugly truths—and more importantly non-truths—out about what types of investors and advisors annuities truly serve.

Also, throughout the hour, David and Tony discuss and remind DL Show listeners that annuities are designed, and truly best suited, for savers planning and preparing for their second half of life.

If you are interested in a WorryFree Retirement® and hearing more about what you need to know about purchasing an annuity or what you need to know about an annuity you currently own, listen to the entire show today!

Tune in to the David Lukas Show each Saturday at 2:00pm. The David Lukas Show is the only radio program in Little Rock dedicated to Helping Savers Worry Less About Money®.

We, at David Lukas Financial, believe that when it comes to the fees you’re paying on your investments and/or annuities transparency is key! Surveys indicate that a vast majority of investors have no idea just how much they’re actually paying. Do you?

Because we believe that knowledge is money saved, we suggest that you request a copy of our Fee Disclosure Kit—which includes our Investment Fee Disclosure Sheet, our Annuity Fee Sheet and other helpful resources on the subject of fees.

Once you have the kit, all you need to do is provide it to your current financial adviser/insurance agent or other point of contact and have them complete the forms for you. It’s that simple! Click here to fill out a short form and we’ll mail your Fee Disclosure Kit today! Or call David Lukas Financial, at 501-218-8880, and speak with David personally.

Many of the decisions we make with money are dependent on our specific financial personality. Not sure what your financial personality is? Click here and find out today!

This week, on the David Lukas Show, David brings to light the murky issue of all the undisclosed fees that you are most likely paying on your retirement investments. According to the article “The Retirement Risks We All Share”, found on Time.com, two thirds of Americans don’t realize that they may be or have been paying astronomical fees on their 401k plans. Unfortunately, what most investors don’t understand is that many times the success of your investments depends on keeping fees as low as possible.

And because David Lukas, of David Lukas Financial, wants to be as transparent with all current and potential clients as possible he offers a FREE  fee disclosure kit and annuities’ fees sheet, available on dlshowonline.com, to help you understand what fees you are paying on your retirement investments (Fees like: front end sales charge, back end sales charge, purchase fees, annual redemption fee, investment management fees, administrative costs, exchange fees, accounting fees, advisory fees, turnover expenses, brokerage commission, market impact, spread cost, unvested cash—just to name a few!)

Later in the hour David also references that the article “How To Pay Lower Fees On Your Retirement Investments”,found on US News Money, states that investors should aim to pay less than 1% on fees and try to keep all investment costs below 1% annually. The article also mentions that an employee can always ask his or her employer for a Roth IRA option.

YOU HAVE THE RIGHT TO KNOW that hidden or high percentage fees are one of the biggest enemies to your savings! If you’re a saver in the second half of life and a WorryFree Retirement® is something you’re are interested in call David at 501-218-8880 today!

Not sure if you’re a Saver, an Investor or a Speculator?
Find out your financial DNA today at 3Personalities.com