Strategic Partnership between Tier One and Annuity Straight Talk Offers Benefits Unavailable a Few Years Ago Through the Use of Hybrid Annuities

Whitefish, MT -- (SBWIRE) -- 02/18/2013 -- Tier One National, an online brand management company, today announced a strategic partnership with Annuity Straight Talk. Simon Harris of Tier One released this statement to the public: "Retirement investors remain limited in their investment choices due to low rates and high volatility risks. With the help of guaranteed income options, retirement funding becomes easier. One of our strategic partners, Annuity Straight Talk, is now posed to offer more choices in this area."

According to Mr. Harris, Annuity Straight Talk provides unbiased information and advice concerning guaranteed income options for retirement. "They produce plans with financial security and guaranteed output, regardless of market fluctuations, by making use of innovative insurance strategies." Click here to learn more about high yield fixed income investments offering unparalleled safety.

According to Nathaniel Pulsifer of Annuity Straight Talk, hybrid annuities combine multiple benefits into a single contract. "When you purchase a hybrid annuity, you receive the benefits of both immediate and deferred contracts. Some hybrid contracts may offer an additional life insurance component." Annuity Straight Talk goes into detail on the various hybrid annuities available and the benefits of each type on their website.

Secondary market annuity purchases give investors another option when it comes to retirement funding. "As one of the world's largest providers of secondary market annuities, we work to find investors the right fit for their retirement needs. Investors feel comfortable knowing we have a wide range of products to meet various income requirements," Mr. Pulsifer states.

Annuity Straight Talk completed millions of dollars of closed business in 2012 alone and is insurance licensed. Offering an industry leading selection of secondary market annuities, indexed annuities and hybrid annuities, the company offers unbiased information on the benefits and risks of annuities along with how they may or may not fit into an investor's personal financial situation.

"We help investors find the solution which best meets their personal needs. To accomplish this, we determine baseline income needs as this tells us how much income the client must plan for. Once this has been done, we bring together the sources needed to meet this income level. Our goal is to ensure clients have what they need to enjoy retirement fully," Mr. Pulsifer declares.

About AnnuityStraightTalk:
Annuity Straight Talk provides unbiased information on retirement income planning, including annuities. An honest needs assessment is the first step in retirement income planning or the rational de-cumulation of wealth. Determining the base income needs of the client requires an honest needs assessment to ensure the right guaranteed income sources are found. Income sources range from social security and insurance to annuities designed to fill gaps in the baseline income needs of clients. Annuity Straight Talk focuses on ensuring clients have the money needed to enjoy retirement fully.

About Tier One National:
Tier One National help brands extend their brands both Nationally and Internationally. They use media channels and manual outreach to enhance a brands penetration and influence within their target market.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Tier One National Partners With Annuity Straight Talk To Publicize Their Findings in to Retirement Shortfalls and Employing Annuities as a Solution

Whitefish, MT -- (SBWIRE) -- 02/15/2013 -- Tier One National Partners With Annuity Straight Talk To Publicize Their Findings in to Retirement Shortfalls and Employing Annuities as a Solution

Tier One National, specialists in brand management, recently announced a partnership with Annuity Straight Talk. Tier One will publicize Annuity Straight Talk's recent findings that most families are financially unprepared for retirement as well as their Annuity solutions. A report on their findings regarding retirement shortfall will be published in February on their site.

Simon Harris of Tier One National explained the genesis of the Annuity Straight Talk service:

"Retirement planning is challenging and no two situations are alike. Most traditional brokers are totally unprepared to take on this challenge and meet the needs of clients. It was this that led to the creation of Annuity Straight Talk."

Annuity Straight Talk provides unbiased information on annuities, their pros and cons, and how they fit into one's financial situation. To ensure retirement funds last, Media Contact Nathaniel Pulsifer first helps clients determine their baseline income needs. "Once we calculate this 'guaranteed expense', we then look at existing guaranteed income, and see if there is a gap between the two. This is the right place to use annuities. By fully covering guaranteed costs with guaranteed income, we build a solid retirement foundation and actually free up assets for other uses," Mr. Pulsifer explains.

"Doing so ensures the client has a guaranteed income stream. There are a wide range of annuities to choose from, including indexed and secondary market annuities. We offer only the best in hybrid and indexed annuities along with a large inventory of structured annuities, all of which provide a high yield, fixed income. It really depends on the client's individual situation what annuity tool is most appropriate. We try to focus on simpler, guaranteed offerings and can do so with a great yield."

One such higher yield annuity is the 'Structured Settlement Annuity' which comes in a wide range of payment durations. Clients may choose an immediate income annuity or an immediate income annuity with lump sum. For those interested in deferred income annuities, choices include deferred income versions and deferred income versions with a lump sum. Other options include short-term lump sum and long-term lump sum annuities or insured payment streams backed by life insurance.

Annuity Straight Talk distributes updated lists of available Structured Settlement Annuities throughout the day. To learn more about current offerings, click here. "If you see an annuity that you would like to purchase, simply click the 'Reserve' button and return the form by email or fax. Be aware that offers may no longer be available so it's best to call to request the desired stream and confirm availability," Mr. Pulsifer states.

All annuities available through Annuity Straight Talk provide income during the retirement years. "We are insurance licensed and place millions of dollars into guaranteed annuity income streams each year. Our unbiased advice gives customers confidence in what we offer," Mr. Pulsifer declares.

Simon Harris of Tier One National explained the branding plan:

"Annuity Straight Talk has some great data and they also offer a real safe solution to clients. These two aspects will provide the cornerstone of the branding plan and outreach campaigns. We are excited to expand their already successful brand."

About Annuity Straight Talk:
Annuity Straight Talk helps clients optimize their unique retirement income portfolios by offering unbiased advice on retirement income planning and annuities. Planning for this time of life, when one is rationally de-cumulating wealth, requires that an honest needs assessment be conducted to determine baseline income needs. This provides the client with a floor income level to plan for. Various guaranteed income sources, ranging from social security and insurance to annuities, can then be used to fill these income needs and Annuity Straight Talk strives to ensure each client finds the right mix. For more information visit http://www.annuitystraighttalk.com

About Tier One National:
Tier One National help brands extend their brands both Nationally and Internationally. They use media channels and manual outreach to enhance a brands penetration and influence within their target market.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Whitefish, MT -- (SBWIRE) -- 12/26/2012 -- In April 2012, the Social Security Trustees issued a report stating that the Social Security Trust Fund was expected to run out in 2033. Over the past few months though, this date has been moved forward by many experts as the economy deteriorates and low rates prevail.

According to Nathaniel M. Pulsifer of Annuity Straight Talk, Investors need to take a close look at their retirement income strategy, and not leave their fate to chance. Now is the time to make necessary changes to ensure that money is available when retirement arrives.

Annuities are private insurance contracts, designed for times like these, and turn savings into income that lasts. An annuity is a contract between a purchaser and an insurance company, with the premium purchasing a promise of income and guarantees from the insurer. The company invests the premiums and, at some future date, pays the purchaser a lump sum or stream of income. There are many variations on this basic principle but all annuities share the common thread of shifting risk from the insured to the insurer.

"As with any investment, there are pros and cons of annuities," Mr. Pulsifer explains. "Annuity earnings are tax deferred and have low volatility or risk. Insurance companies are required to maintain significant cash reserves to ensure this safety, and consequently, their place is as a safe money alternative to bonds, CD's, or Treasuries."

Pulsifer continued, "Annuities currently yield an average of 2-8% tax deferred, depending on the type and your age. This is obviously much higher than CD's. There are limitations on liquidity, though, and you should remember that annuities really are insurance. They use a set amount of principal for a defined financial outcome. Most are designed for the long term, and thus, mainstream advisers seem to have an aversion to annuities because they generally don't require active management. There's a lot to be considered when determining if an annuity fits into the client's overall investment strategy."

Annuity Straight Talk offers a host of annuities, information on retirement income, and a number of strategies for retirement income planning to ensure a fit into a client's overall investment strategy. "Many clients opt to go with Secondary Market Annuities to ensure a steady income stream for a defined period. Often, the income stream is the result of a lottery payment stream or a structured settlement. Others prefer to purchase Hybrid Annuities which combine multiple types of benefits into one contract," Mr. Pulsifer goes on to say. "When a client chooses this type of contract, they receive the benefits of both immediate and deferred contracts, and some contracts incorporate additional life insurance and home health care components."

"Our goal is to sit down with each client and review the current and projected financial situation to determine which annuities, if any at all, best fit into the overall retirement plan, so clients can live as they choose in retirement."

About Annuity Straight Talk:
Annuity Straight Talk focuses on guaranteed, safe retirement income, and builds financial plans offering the optimal combination of flexibility, profitability, longevity and safety. The company views any probability of failure in a financial plan as unacceptable. Annuity Straight Talk offers the best selection of annuities while providing exceptional service. An honest assessment of the client's needs determines a floor level of income to plan for, and products are only considered that address specific client needs. Annuity Straight Talk is unbiased and not captive to any specific carrier, strategy, or product, and instead can look objectively at each client's situation. Annuity Straight Talk is a collaboration of Bryan J. Anderson and Nathaniel M. Pulsifer.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm