Very true. I ask every client if they think they will need more than 10% a year. If so, any annuity is off the table.Just today we received another drop in commission on annuities. We now have breakpoints on our commission so as more money goes in, we get paid less just like mutual funds. I think this is a good change, even if it means I get paid less. It provides a lot more protection for suitable recommendations.
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