Subject: Re: Generalized fixed income news - ladder rebuild

What company did you go with?

Currently I have:

1. Pacific Guardian - Old school company in Hawaii and tend to move slowly and their website is a bit old.
2. Aspida - Much newer website, things went smoothly.
3. Axonic - Similar to Aspida.

In the past I had:

North American - Older company, fairly basic but ok website.
American Annuity - Similar to NA.

At the time I bought them, they all were A- or better rated.

Personally I wouldn't feel comfortable going with anything lower. I also prefer 3 yrs but I do have one that is 5 yrs.

My first 2 were bought through a CPA/FA I know and the last 3 were bought through Immediate Annuities which were very good to deal with.

Good luck.
Rich