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David Holland, CPA, CFP®, hosts PlanStrongerTV™, a financial variety program featuring fascinating guests and a wide array of topics – from the psychology of money to retirement planning to estate planning. Make David Holland your source for interesting information that affects your pocketbookand helps you PlanStronger™ for your financial future.
Watch a promo for an upcoming episode below or click on More PlanStrongerTV™ to explore more previews and guest interviews from episodes of PlanStrongerTV™
David Holland is an author and a financial columnist.
David Holland writes a weekly column on personal finance. You can read his latest column, or peruse the Archives, at www.HollandColumn.com. David has written columns on a wide variety of topics related to retirement planning and managing your personal finances. In the Archives, you will find valuable information (in plain English!) on retirement income planning, investing, life insurance, long-term care, and many more financial topics. These are issues that affect almost everyone.
By David D. Holland
Though I’ve talked about this subject a few times over the years, those who are new to my column may not be familiar with the different types of annuities and how they work. So, today we will take a brief look at annuities and some of their distinguishing qualities. Before we do, however, I want to be clear on one point: I believe that, for some people, annuities can be an important part of a retirement plan, but I would never put all a person’s money into an annuity!
First, what is an annuity? An annuity is the exchange of a specified sum of money for the contractual promise of future income payments by an insurance company. An annuity can either be “immediate” or “deferred.”
David has also written two books in his Confessions of a Financial Planner series: Secrets to a Secure Retirement and How to Get Great Advice & Avoid Financial Scams. The mission of this series is to provide easily accessible information on a wide variety of topics concerning personal finance. Everyone is affected by money issues and yet there are few resources available to answer even the most basic of questions in Plain English. It is David's goal to write books that anyone, from any walk of life, can pick up and relate to. He keeps it simple, and doesn't use industry jargon to talk over the reader's head.
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