233pp / softcover / 8½" X 11 " / ISBN: 9780979247873

Investing With Variable Annuities
Fifty Reasons why Variable Annuities
may be better Long-Term Investments
than Mutual Funds
12th Edition (2008)

John Huggard, J.D., CFP
Parker-Thompson Publishing

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This Book Will Help You Learn: 

• Why retired variable annuity owners who are in a 25% tax bracket will rarely pay more than 15% in income on their variable annuity withdrawals.  (Chapter 10)
• How variable annuities can easily be stripped of both death and income taxes. (Chapter 18)
• How variable annuities may be set up to avoid creditors, Medicaid liens, etc. (Chapter 37) 
• How to withdraw money from a variable annuity without having to pay income taxes on the withdrawals. (Chapter 48)
• Why variable annuities almost always cost less than mutual funds. (Chapters 31-36)
• Why after-tax gains are almost always higher with variable annuities than mutual funds. (Chapter 9)
• Why variable annuities belong in qualified plans.  (Chapters 51-55)
• The tax traps associated with mutual fund ownership. (Chapter 14)
• Why the stepped-up basis available to variable annuity owners is better than the stepped-up basis mutual fund owners receive. (Chapter 25)
• The many benefits of variable annuity ownership. (Chapters 37-50)
• The many hidden costs of mutual fund ownership. (Chapter 39)
• How to avoid surrender charges and IRS penalties when selling a variable annuity. (Chapter 17)

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About the Author

John Huggard is the senior member in the Raleigh law firm of Huggard, Obiol and Blake, P.L.L.C., limiting his practice to estate planning and financial litigation.  John is also a Certified Financial Planner and full-time faculty member at North Carolina State University where he has taught introductory and advanced courses in law and personal finance for more than twenty-five years.  John is an Alumni Distinguished Professor and is a member of the Academy of Outstanding Teachers at North Carolina State University.   John is a Board Certified Specialist in Estate Planning and Probate Law.  He is the author of The Administration of Decedents' Estates in North Carolina (Michie Pub. Co.), The North Carolina Estate Settlement Practice Guide (West Pub. Co.), and Living Trust, Living Hell: Why You Should Avoid Living Trusts (Kendall-Hunt).  Additionally, John has published several magazine articles on legal and financial matters.  John has been extensively interviewed and quoted in The Wall Street Journal, Smart Money, USA Today and other financial publications.  John regularly lectures to professional groups on topics dealing with variable annuities, taxation and finance.  John received his undergraduate degree and law degree from the University of North Carolina at Chapel Hill and his master’s degree from Duke University.  John’s hobbies include flying, competitive target shooting and scuba diving.  He is recently retired from the U.S. Navy where he served as a captain in the JAG Corps.