Notice: Rates and Caps are effective as of 1/9/23 and can change by the time you view this. Inquire with CGFG before...
GLWBs (Annuity) Blogposts
Video: What is Monte Carlo Analysis (And JourneyGuide)???
In this video, Charlie explains exactly what Monte Carlo simulations are and why they are powerful. He also explains...
Video: My GLWB “Napkin Diagram”
One Saturday a couple of years ago a new agent called me up and asked me to explain to him how a GLWB worked!!! I was...
GLWBs, Step-Ups, And Other Random Annuity Thoughts
A few weeks ago I was preparing an indexed annuity illustration for one of our agents who had a client that wanted...
Webinar Recording: Charlie’s Favorite Annuities, Life, and LTC (November 2022)
https://youtu.be/22b9pMCiBKQ
How to explain annuity GLWBs to clients
Recently I have been surveying financial professionals across the country on topics related to practice management,...
Why Only 4% Withdrawal Rates If the Market Has Averaged 10%?
Many years ago, I was sitting with a client who had a $500,000 portfolio and was about to retire. He asked me...
Case Study Video: RMDs, 401ks, IRAs, and SPIAs
Below is a video where I discuss RMDs and SPIAs with IRAs as well as 401ks. There is much more to this than meets the...
Guaranteed Streams of Income Make You Happier
It was a beautiful day, and because it was a weekday morning with no boats on the water - except for us - the water...
Retirement is on sale with annuities by 43%!!
Many of you “Academians“ know of the 4% rule that I reference here. Some of you also know about the later-published...
Webinar Recording from August 10th, 2021: Tom Hegna!! Paychecks and Playchecks!!!
https://youtu.be/-35y7puOu1Y
Why Your Annuity Trumpet Should Get Louder As Interest Rates Decrease
I know the title of this article seems contrary to what you would think but hear me out as I discuss the “relativity...
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CG Financial Group, LLC
7629 Silverstone Ct.
Johnston, IA 50131
515-986-3065
info@cgfinancialgroupllc.com








