Aug 28 2011

Retirement Accounts



retirement accounts
How does financial adviser who sell retirement accounts make their commissions?

Does selling fixed annuity make more commission than selling variable annuity? Does contribution amount have effect on their commissions? Thanks for your help!

The vast majority of fixed annuities pay 3-6% of the amount invested. Variable annuities (VA), often times, offer three payout schedules to the adviser/salesperson. a) 2% up front with a 1% trail, starting in the 2nd year; b) 4% with a 0.50% trail; or c) 6%, no trail. Unlike mutual funds with breakpoints (volume discounts), the commissions are not, ordinarily, affected by the amount invested.

A 1% “trail,” for example, pays 1% of the balance, each year, while the account remains in effect.

Hope that helps.

On behalf of all of your responders, who take the time and effort to help questioners in this free Yahoo! community, THANK YOU in advance for taking the time to choose your “Best” Answer. We really appreciate it.

DISCLAIMER: While the information in this response was obtained from sources believed to be reliable, its accuracy and completeness cannot be guaranteed. The opinion voiced in this answer is for general information only and is not intended to provide specific advice or recommendations for any individual. Questioners are urged to consult with their professional advisers before making any decisions regarding their finances.

Deposit Insurance Coverage – Certain Retirement Accounts

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A Guide to Asset Protection: How to Keep What’s Legally Yours


$26.95


How to shield your assets from creditors and other claimants. You’ve worked long and hard for your assets, from your business and home to hard-earned savings and investments. To safeguard them particularly against liability suits, America’s number one indoor sport A Guide to Asset Protection offers proven strategies to help you keep what you may have spent a lifetime earning. Written by an attorney who specializes in tax-, estate-, and asset protection planning, this indispensable reference is filled with sound advice and practical tips on how to avoid the litigation jungle, as well as revealing insight on how creditors find and get at your assets. Actual case histories and model agreements steer you through the essentials, including: Protection through trusts irrevocable trusts and gift taxes, life insurance trusts, foreign asset protection trusts (FAPTs). Fraudulent conveyances the laws of fraudulent transfers, what fraudulent conveyance is (and is not). Asset protection for married couples separate and community property, transmutation agreements. Using family limited partnerships limited liability companies. Employing qualified retirement plans anti-alienation rule, nonqualified retirement plans, individual retirement accounts (IRAs). Filing bankruptcy to protect your assets dischargeable taxes, pre-bankruptcy planning, Chapter 7 and Chapter 13.

 A Guide to Asset Protection: How to Keep What's Legally Yours


A Guide to Asset Protection: How to Keep What’s Legally Yours


$0.99


How to shield your assets from creditors and other claimantsYou’ve worked long and hard for your assets, from your business and home to hard-earned savings and investments. To safeguard them—particularly against liability suits, “America’s number one indoor sport”—A Guide to Asset Protection offers proven strategies to help you keep what you may have spent a lifetime earning.Written by an attorney who specializes in tax, estate, and asset protection planning, this indispensable reference is filled with sound advice and practical tips on how to avoid the litigation jungle, as well as revealing insights on how creditors find and get at your assets. Actual case histories and model agreements steer you through the essentials, including: Protection through trusts—irrevocable trusts and gift taxes, life insurance trusts, foreign asset protection trusts (FAPTs) Fraudulent conveyances—the laws of fraudulent transfers, what fraudulent conveyance is (and is not) Asset protection for married couples—separate and community property, transmutation agreements Using family limited partnerships—limited liability companies Employing qualified retirement plans—anti-alienation rule, nonqualified retirement plans, individual retirement accounts (IRAs) Filing bankruptcy to protect your assets—dischargeable taxes, pre-bankruptcy planning, Chapter 7 and Chapter 13

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


Used – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and expl

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


New – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and explo

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


New – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and explo

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


Used – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and expl

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


New – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and explo

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


Used – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and expl

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


New – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and explo

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


New – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and explo

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


Used – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and expl

 A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


A Letter from a Patriot in Retirement, to the Right Honourable Mr. William Pitt, Upon the Resigning of His Employment.


$22.08


Used – Title: A letter from a patriot in retirement, to the Right Honourable Mr. William Pitt, upon the resigning of his employment.Author: Thomas HerveyPublisher: Gale, Sabin Americana Description: Based on Joseph Sabin’s famed bibliography, Bibliotheca Americana, Sabin Americana, 1500–1926 contains a collection of books, pamphlets, serials and other works about the Americas, from the time of their discovery to the early 1900s. Sabin Americana is rich in original accounts of discovery and expl

 A Magnificent Catastrophe: The Tumultuous Election of 1800, America's First Presidential Campaign


A Magnificent Catastrophe: The Tumultuous Election of 1800, America’s First Presidential Campaign


$14.99


“They could write like angels and scheme like demons.” So begins Pulitzer Prize-winner Edward Larson’s masterful account of the wild ride that was the 1800 presidential election — an election so convulsive and so momentous to the future of American democracy that Thomas Jefferson would later dub it “America’s second revolution.” This was America’s first true presidential campaign, giving birth to our two-party system and indelibly etching the lines of partisanship that have so profoundly shaped American politics ever since. The contest featured two of our most beloved Founding Fathers, once warm friends, facing off as the heads of their two still-forming parties — the hot-tempered but sharp-minded John Adams, and the eloquent yet enigmatic Thomas Jefferson — flanked by the brilliant tacticians Alexander Hamilton and Aaron Burr, who later settled their own differences in a duel. The country was descending into turmoil, reeling from the terrors of the French Revolution, and on the brink of war with France. Blistering accusations flew as our young nation was torn apart along party lines: Adams and his elitist Federalists would squelch liberty and impose a British-style monarchy; Jefferson and his radically democratizing Republicans would throw the country into chaos and debase the role of religion in American life. The stakes could not have been higher. As the competition heated up, other founders joined the fray — James Madison, John Jay, James Monroe, Gouverneur Morris, George Clinton, John Marshall, Horatio Gates, and even George Washington — some of them emerging from retirement to respond to the political crisis gripping the nation and threatening its future. Drawing on unprecedented, meticulous research of the day-to-day unfolding drama, from diaries and letters of the principal players as well as accounts in the fast-evolving partisan press, Larson vividly re-creates the mounting tension as one state after another

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