One of the most common things I hear is: "I'm not ready yet." My honest response? That's totally fine. I'm not in the business of convincing anyone to do something they're not comfortable with. If an advisor is pressuring you into a decision, that's a red flag, not a sales technique.
But I will say one thing about "ready."
Ready rarely arrives on its own. The people who told me "not yet" two years ago and the people who told me "not yet" last week are usually in the same place — not because they're careless, but because nothing forced the decision.
So instead of waiting for ready, try a smaller question: Do I know my number? Meaning the monthly gap between what you'll need in retirement and what Social Security and any pension will reliably cover. If you know that number, you're already most of the way there. If you don't, that's the only thing worth figuring out next — and it takes about ten minutes.
What "not ready" sometimes really means.
- "I don't understand it well enough yet." Fair. Keep reading these emails, or ask me the thing you're unsure about.
- "My spouse isn't sure." Bring them. A joint conversation is better than two separate ones.
- "I'm worried about being sold." Then let's agree up front: a call with me is a conversation, not a pitch. If an annuity doesn't fit, I'll say so.
No deadline. No countdown. The door is open when you want it.
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Author of Indexed Annuity Secrets and founder of Pacific Ridgeway Insurance Solutions in San Diego. Navy veteran. Licensed financial professional, CA #4132743.
Fixed indexed annuities are insurance products, not investments. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. This article is for educational purposes only and is not financial, investment, tax, or insurance advice.