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Annuities: Myths and Mistakes to Avoid in 2023


This course was previously titled “ANNUITIES: MYTHS AND MISTAKES TO AVOID"
Cost Free
Presentation Length 1.0 hour

Recorded DateNovember 29, 2023
CPE:Not available
(archived webinars do not offer CPE credits)
Subject AreaSpecialized Knowledge
Course LevelBasic
Course Description

Buying an annuity can be overwhelming, especially when having to decipher lots of misinformation. As news outlets and media try to persuade your clients with terms such as “best” or “top,” they need to understand that annuity interest rates and features are constantly evolving. According to LIMRA, sales have increased and will continue to rise, especially for retirees or those approaching retirement looking for alternatives to bonds and other income investments.

Insurance companies structure annuities to be profitable but also structure products to bring benefits to your clients. Mistakes are costly, but they can also be avoided if clients can bypass the most common ones, which will help them have a better buying experience. The process of purchasing an annuity includes a financial advisor that isn’t captive to a particular insurance company, broker-dealer, bank, or other institution with access to a limited number of products. Also, working with an advisor who takes the time to explain all the pros and cons of the annuity they choose is as important.

Join this webinar to understand the options to help your clients find the right annuity without having to fall victim to sales and marketing tactics. 

Learning Objectives: 

  • Name common mistakes including myths and misinformation with annuities 

  • Determine how to search for annuities while avoiding sales jargon

  • State how to properly read an illustration and what to look for with “back-testing” 

  • Define contract structure, ownership options, and other pitfalls 

  • List how to reduce (or eliminate) Social Security tax, Medicare Part B premiums, and other taxes in retirement 

  • Summarize how to help clients lower fees, increase performance, and have a greater overall value

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Carlos Dias Jr.

Dias Wealth
Founder and Managing Partner
(407) 801-2244


Carlos Dias Jr. is a financial adviser, public speaker, and president of Dias Wealth LLC in Orlando, Florida, offering strategic financial planning services to business owners, executives, retirees, and professional athletes.

Carlos is a nationally syndicated columnist for Kiplinger and has contributed, been featured, or quoted in over 100 publications, including Forbes, MarketWatch, Bloomberg, CNBC, The Wall Street Journal, U.S. News & World Report, USA Today, and several others. He's also been interviewed on various radio and television stations. Carlos is trilingual, fluent in both Portuguese and Spanish.

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About Our Presenter

At Dias Wealth, our team works with clients from many backgrounds plan for a successful financial future. We provide real solutions that can help you make better financial decisions with a full range of investment management options, including tax, financial, charitable, asset protection, and estate planning services.