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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: richinmd   😊 😞
Number: of 1355 
Subject: Re: Generalized fixed income news - ladder rebuild
Date: 03/03/26 3:33 PM
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No. of Recommendations: 1

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
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This community has written 1,284 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
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