If you ever wanted clarity now is the time to tune in, grab a pad & pen as Money Talks w/Ayanna Smith welcomes guest Janice V. Sanderlin, aka “Coach jVernida” of Chesapeake, VA! She is a Licensed Evangelist Missionary and international Christian Leader serving the kingdom of God. She is a #1 Best Selling Author and has co-authored several writings, including “Live Abundantly” and” Words of Wisdom for the Heart and Soul”.
Janice retired from the U.S. Postal Service after 34 years to build her business as the Financial Professional and Coach and is the Business Owner of “jVernida & WTG Impact LLC”. Her concentrated business focus is Life Insurance and Annuities and has purposed to help thousands to establish, protect, and secure their financial future. The foundation of her business is to, “Love God and his excellence, Live a life of excellence, and Lead with excellence as she addresses the need for family protection, legacy building, and retirement security”.
This Financial Professional and Coach is helping men and women from around the world recognize that with the right exposure, experience, education, and action they can reach goals, have happier lives, and wake up in their desired dreams.

Your host, Ayanna Smith is a Licensed Financial Professional & Life Insurance Broker who serves families and small businesses owners/entrepreneurs with strategies to cover them personally along with business assets and retirement strategies for the future. Ayanna may be contacted via www.askayanna.com for a Complimentary Consultation.

#AskAyanna #MoneyTalks #YourTrustedFinancialProfessional #LifeInsuranceBroker #Annuties

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Money Talks with Ayanna Smith: What is an Annuity?

If you’ve ever thought about planning for your financial future, you may have come across the term “annuity.” But what exactly is an annuity, and how can it benefit you? In this article, we’ll break down the basics of annuities and explore how they can help you secure a comfortable retirement.

An annuity is a financial product that provides a stream of income over a set period of time, typically in retirement. It is essentially a contract between an individual and an insurance company, where the individual makes periodic payments in exchange for regular payments in the future. Annuities come in various forms, but the most common types include fixed, variable, and indexed annuities.

Fixed annuities offer a guaranteed payout that does not fluctuate with the market, making them a popular choice for those seeking stability and predictability in their retirement income. Variable annuities, on the other hand, are tied to the performance of underlying investments, such as mutual funds, giving investors the potential for higher returns but also greater risk. Indexed annuities combine features of both fixed and variable annuities, offering a guaranteed minimum return along with the potential for market-linked gains.

One of the key benefits of annuities is their ability to provide a steady stream of income in retirement, helping to supplement other sources of income such as Social Security and pensions. Annuities can also offer tax advantages, as the earnings on the contributions are tax-deferred until they are withdrawn, potentially allowing you to keep more of your money in your pocket.

However, it’s important to consider the costs and fees associated with annuities, as they can eat into your returns over time. It’s also crucial to understand the terms and conditions of the annuity contract, including any surrender charges or penalties for early withdrawals.

In conclusion, annuities can be a valuable tool in your retirement planning arsenal, providing you with a reliable source of income in your golden years. If you’re considering adding an annuity to your financial portfolio, be sure to consult with a trusted financial advisor like Ayanna Smith to explore your options and make an informed decision that aligns with your financial goals.

Remember, when it comes to financial planning, knowledge is power. So arm yourself with information and take proactive steps to secure your financial future. With the right strategies in place, you can build a solid foundation for a comfortable and stress-free retirement.