Should I buy a variable annuity?

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	Should I buy a variable annuity? By The-Adviser.com -
SERVICES Money Management Portfolio Reviews 401(k) Rollovers Retirement Financial Plans Estate Plans College Savings Clients Only WHY US Benefits Available Services "Interview Us" Fee Information Disclosures Applications THE COMPANY Background Philosophy The Press Policies Opportunities LINKS Home Page Related Links Stock Quotes	New York - You generally should not purchase a variable annuity unless all of the following conditions apply: You expect to be in a 15% tax bracket when you withdraw your money You can no longer contribute to your 401(K), 403(B) and IRA contributions You have sufficient liquidity that you will not need this money for approximately 15 years If you already own a variable annuity and are considering purchasing a new one - beware that some life insurance companies try to entice you to purchase a second annuity with your existing annuity. If you do this, you generate a commission for the agent and eat into the returns of your first policy. Also, beware of any attempts to convert your current policy to a new one. Old policies may come with large surrender charges of up to 7% of your original annuity's principal while your salesperson makes a new commission. Tax law and issues are every changing and is extremely complicated. Even if you are considering purchasing an annuity, you should consult with an independent Fee-Only financial adviser. About Us The Independent Adviser Corporation is a 100% Independent and 100% Objective Financial Advisory Firm that writes buy-side investment research. Our network of independent Fee-Only Financial Advisers serves individuals, families and businesses. They provide financial planning services, tax advice and offer professionally managed asset accounts. They do not underwrite corporate securities nor do they sell any proprietary products. To find out more or get a FREE consultation Ask The-Adviser.com or call 1-800-ADVISER.	Variable annuities may be appropriate for some persons. For most persons, they are not. Got an investment question? Ask The-Adviser.com Open a professionally managed account: Brokerage Accounts Traditional IRAs Roth IRAs 401(k) IRA Rollovers 403(b) IRA Rollovers College Savings Retirement Savings Top Ten Investment Picks Financial Advisory Services Money Management Retirement Planning Portfolio Reviews 401(k) Rollover Assistance College Savings Financial Plans
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