Depression And Worry For Baby Boomers

Among all Americans, 55% figure they’ll have to work longer than they want to because they won’t be able to afford retirement. And the baby boomers are not alone; we are in sync with the next two generations following us. On top of concern over having sufficient retirement income there is health expense concerns. Among those still working, fear of medical expense covered by Medicare as the baby boomer transfers from company sponsored (or private) insurance coverage becomes a huge concern. And of course there are inflation concerns. The current rate of inflation hovers around 2.2% annually that seems reasonable until you realize the government (through the Consumer Price Index) does not include food or energy in that calculation.

By |2015-05-21T03:37:46+00:00September 30th, 2014|Social Security|

Pros and Cons Of Variable Annuities

Having weathered the economic crisis in 2008 with most of their value intact, fixed rate annuities have become the standard for retirement savings. Variable annuities, on the other hand, try to accomplish more than that. Higher Risk investments may generate more income for the annuity holder, but this income can be reduced by the fees charged for maintenance of these accounts. In addition, if the market loses money, your account value decreases with it and fees still are charged on your variable annuity.

By |2015-05-21T03:41:40+00:00September 16th, 2014|Annuities|

1031 Exchanges and Tax Benefits

What if there was a way for you to bypass those taxes and move investment real estate without tax exposure? A Section 1031 Real Estate Exchange can do just that. In order to understand what Section 1031 is, we first explore the term “exchange.” In real estate, an exchange refers to the ability to sell (exchange) property, for property. If you are prepared to put in the effort you may find that the savings your investment property accumulates from Section 1031 are well worth your time and attention.

By |2015-04-03T17:14:12+00:00September 15th, 2014|Real Estate|

How Fixed Indexed Annuities Work

Fixed Indexed Annuities are valuable tools for many who are planning their retirement. Along with a company pension and social security, a Fixed Indexed Annuity can provide the basis for guarantees in a retirement plan. Fixed indexed annuities are excellent investments that allow you to enjoy the benefits of interest linked to the market without being affected by market risks.

By |2015-05-21T20:40:32+00:00September 8th, 2014|Annuities|