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RBueter

History can teach us plenty about how to create a secure retirement income. In the post depression period until 1974 (when IRAs were created), it was mostly insurance companies who employers turned when seeking a secure pension payout for the rest of the employees life. With the depression fresh on their minds, employers choose insurance companies because they had the integrity and fiduciary attributes to make them a most suitable choice to provide the employee with a pension check even if they lived to over age 100. Even for American's after tax savings, fixed annuities were the primary retirement savings solution until 1974. Since then, insurance companies and their fixed and immediate annuities have been foreshadowed by Wall Street retirement solutions. Many of these have no place in a retirement savings plan. It's clear today that we need to get back to the basics of what creates a secure retirement income.

Rick Bueter, CEO and Founder
www.annuityeinstein.com