This portfolio has the same money manager as Fundguard and it operates under the same philosophy. However, it uses a variety of variable annuities. Performance differs between annuities since sub-accounts differ. The annuity that currently has the best assortment of sub-accounts is American Skandia. Annuities are easily transferred via a 1035 Exchange.
Annuities can be a good tax-planning device by deferring taxes.
It depends upon your situation as to whether they are good for you. We charge no commission on our annuities and there are no surrender charges. The portfolio manager selects from a wide variety of asset classes. Or, it can be spread between several asset classes. Typically, it is in the moderate mode of having 10-15 mutual funds in various asset classes.