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9781530628179

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Since founding Andrews Financial Services in 1989, Debbie Andrews has been helping clients improve their long term financial success. She is passionate about helping clients make sound and educated decisions suited to their unique situations. Debbie is Security Licensed in Series 7, Series 63, Series 65, and Group 1 Life & Health Insurance - qualifying her to support clients across a wide range of financial strategies from insurance and annuities to market-related portfolios. Andrews Financial Services provides services related to retirement planning, estate tax planning, investing and other life financial goals. With a keen interest in long-term planning, Debbie has developed a deep expertise in principal protected options, annuities and life insurance, IRA's, SEP's, 401(k) investments, mutual funds, and long term care. She particularly enjoys educating her clients, identifying personalized solutions, and building lasting relationships. Kathryn Payne, President of Reach Enterprises, enjoyed 28 years as a management consultant - working with leaders of international corporations to produce business results by engaging people. With a knack for communications and change management, she earned a reputation for being able to translate complex strategies into simple language and stepwise action. As co-author of this book, Kathryn offers these skills to the reader by representing the voice of an investor. She focuses on addressing common questions and ensuring direct answers while keeping financial jargon in check. Because she is an independent investor interested in answering these questions for herself, Kathryn works well with Debbie Andrews to distill annuities to their essence.

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