Longevity! Can You Insure It? Yes!

What happens if you live longer than you expect? How do you make sure your funds last as long as you do? Do you invest in stocks? Bonds? Keep your money in the bank? Increased life expectancy is extending the time needed for our retirement funding, making sure our money lasts as long as we do has become the new “mantra” of the Baby Boomers.

By |2015-05-23T04:00:12+00:00April 29th, 2013|Annuities|

Retirement Income: Guess? or Guarantee?

When planning retirement, do you depend on projections based on future conditions or do you plan your retirement based on guarantees. The answer may surprise you; both can be the correct answer. It really all depends on your personal situation and what “time” period you are focusing for retirement.

By |2015-05-23T04:03:08+00:00April 18th, 2013|Retirement Planning|

US Treasury Floating Notes

The recent government decision to issue “floating rate notes” (FRN) could have a dramatic and dangerous effect on our economy and our industry. The government’s plan is to issue FRN with an adjustable rate reestablished every 6 months. Instead of fixed interest rate notes, this new approach would have a variable interest rate.

By |2015-05-23T04:06:00+00:00April 13th, 2013|General Business|

Options for Avoiding Estate Tax

No one wants to think about leaving their loved ones with a heavy tax burden, which is why it is so important to speak with your certified financial planner to begin the planning of your estate as soon as possible. Even if you don’t think that you have a large number of assets, you would be surprised at the amount that the value of your cars, stocks, bonds, property, retirement accounts, etc. will total once your financial planner calculates it for you. Fortunately, there are several ways to avoid estate taxes, and this article will discuss some of the options available to you.

By |2015-05-23T04:07:10+00:00April 8th, 2013|Estate Planning|

Annuities: How long have they been around?

I was asked the other day about the origin of annuities. Were they created since WWII? The fact is, annuities have a long history dating back to the Roman Era when they were used as a form of gratification for loyal soldiers. Sometimes the emperor gave land, sometimes an annual stipend, an annuity of sort. [...]

By |2013-09-25T20:48:48+00:00April 8th, 2013|Annuities|

The EURO and other Debt Issues

Should the US stand by and let Europe solve their own problems? It would be easy to say yes and keep out. But unfortunately, we are a global economy and Europe is easily our largest trading partner. The better question is what to do?

By |2015-05-23T04:09:02+00:00April 4th, 2013|Investing|