Bill Andrews, Financial Professional, Interviewed on the Influential Entrepreneurs Podcast Discussing Objectives for Bond Allocations

Bill Andrews discusses the importance of bond allocations in investment portfolios. 

Listen to the interview on the Business Innovators Radio Network:

The use of fixed index annuities is a valuable component of long-term retirement fund strategies. While they don’t allocate all of their client’s money into fixed index annuities, they do consider them as part of the overall strategy.

One reason why fixed index annuities are considered a good starting point is their ability to offer some degree of liquidity, which is crucial in retirement. Bill Andrews highlights that these programs allow individuals to have up to 100% liquidity in situations such as death, terminal illness, or nursing home confinements. This means that individuals can access their funds if needed for these specific circumstances.

Furthermore, fixed index annuities provide income guarantees that align with retirement goals and provide a financial safety net. This ensures individuals have a certain level of guaranteed income throughout their retirement, reducing the risk of outliving their money. Bill Andrews emphasizes the importance of income guarantees and states that consistent income is a key requirement for liquidity in retirement.

Bill underscores the importance of liquidity as a key consideration in retirement planning and highlights how fixed index annuities can provide the desired flexibility, underscoring the need for careful consideration and management of investment portfolios.

Bill explained: “I’m working a lot with the fixed annuities and with a guaranteed principal and income for the main reason that I’m helping people develop their long-term retirement fund strategies. And today I’m looking a lot at this because of the volatility in the market. Trying to eliminate that and the fixed index annuities tend to be a great place to start. That doesn’t mean we take all of their money and put it into that. It just means we look at different things. I think it’s important in retirement to have some degree of liquidity.”

About Bill Andrews

With over four decades of experience in the insurance, banking, and brokerage industries, Bill Andrews began his career in 1979 as a life insurance and securities professional. The financial world became his early playground and he loved it.

In the 1980s he joined one of the most respected firms in the securities industry and gained valuable expertise advising and planning for many of the retirees making their way south from the northeastern seaboard.

Having grown up in Miami, Florida, he had the opportunity to work with his father, his first mentor and respected private yacht captain who catered to the mega-wealthy, politicians, and corporate titans. The experiences gleaned from living and working on these floating hotels provided him with unique insights, and a rare opportunity to observe and converse with some of the world’s most successful people.

Throughout his career, he received numerous awards and accolades, including being recognized as a top representative for numerous nationally ranked banking, insurance, and securities behemoths, thanks to his unwavering dedication to success and client service.

Since 1995, he has been managing his own retirement planning practice. Over the past two decades, he sponsored and spoke at more than 200 financial seminars on topics such as 401k/IRA rollovers, cash management, investment tax strategies, annuity and asset allocation, investment and income planning, and Social Security planning. Additionally, he has frequently collaborated with CPAs and attorneys to provide expert guidance on tax, estate, and trust planning.

Between 2002 and 2005, he partnered with a physicians’ financial advisory and practice management firm, participating in speaking engagements focused on pre-retirement and retirement planning for practicing physicians.

For the past decade, he has been advising on 403b, 457, 401k/IRA rollover and pension planning in 15 San Francisco Bay Area and Silicon Valley school districts, conducting over 100 retirement and compliance seminars for all levels of educators from janitors to superintendents.

So far, over the course of his career, he has advised thousands of individuals and families. These relationships and experiences translated into valuable lessons, stories, and life experiences. His clients have benefited richly from his lifetime of seasoned insights.

He frequently travels for business or pleasure but usually both. As his clients retire many are relocating from the West Coast closer to their children and grandchildren or simply to realize their dreams. He estimates his client base now spans 17 states. He hikes the Great Northwest forests, rivers, and the most majestic NW Pacific coast beaches. He even indulges in a little salmon fishing on the Columbia River.

As he continues to adopt new technologies and grow his practice, he is driven by a passion for the industry and a commitment to being productive, balanced, and helpful thereby, meeting his own retirement goals. He looks forward to building new relationships and experiencing an abundant life filled with love and happiness.


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