Shelby J. Smith, Ph.d. Is A Vice President

• FIAs - How they Work, and the Danger of the Two-Tier Annuity

  By Shelby J. Smith  |  November 24, 2009

  Fixed index annuities (FIAs) have recently received bad press be-cause the stock brokerage community is not overjoyed with these products. They're popular because they provide attractive features not available from securities. FIAs

• Open the Escape Hatch on 401(k) Plans of Small Businesses

  By Shelby J. Smith  |  September 1, 2008

  Do you think income taxes will go up or down in the next couple of years? Judging from the current presidential campaign rhetoric and the 2010 expiration of the tax reductions that were enacted between 2001 and 2006, taxes are undoubtedly headed

• Where Can Retirees Turn to in Uncertain Economic Times?

  By Shelby J. Smith  |  April 1, 2008

  A great number of Americans are either about to retire or already have. The No. 1 fear of many is that they may run out of money in retirement. The vast majority may live for decades in their retirement years without having a guaranteed pension or

• Will The Internet Replace Home Office Support For Web Savvy Producers?

  By Shelby J. Smith, Ph.d. Is A Vice President  |  May 6, 2002

  By Shelby J. SmithThe Internet has fallen short in selling insurance directly to consumers, and there is little hope this reality will change anytime soon. ...