What Do Different Annuities Offer?

Part 2: Last week I wrote about what the experts think about annuities; how leaders such as Tony Robbins, Suze Orman, Dr. David Babbel, after doing much research, state that for the right person, at the right time, the right annuity can be very beneficial to enhance one’s retirement. So, what is the right annuity? [...]

By |2018-06-26T18:21:02+00:00March 27th, 2018|Annuities|

What Do Experts Say About Using Annuities for Retirement Planning?

Part 1: There are many opinions about annuities and misconceptions; but let me ask you this - if leading economists, financial spokespeople, and leaders of various departments of our government use annuities for their portfolio, wouldn’t it be wise to look at annuities and learn more about them? In Tony Robbins book, Money Master The [...]

By |2019-02-16T16:22:18+00:00March 20th, 2018|Annuities|

Maximize Your Pension And Take Better Care Of Your Spouse.

Many pension programs both in the private and public sector offer a “Spousal Survivor Benefit.” If the primary pensioner dies first—the spouse gets a percentage, usually not all, of the regular monthly pension received before death. If selected, this nice benefit comes at a not-so-nice cost. The provider of the monthly pension is now going [...]

By |2019-02-25T08:47:35+00:00March 18th, 2018|Retirement Planning|

Which Bucket Of Money Do I Use First?

Most people who have saved for retirement, college or just an emergency fund, have assets in several different investments, I like to think of each of these as buckets.  Buckets of money.  Once the time comes to consider which bucket to use first, many options arise.  If you have qualified money in a bucket (IRA [...]

By |2019-02-25T08:48:20+00:00March 16th, 2018|Retirement Planning|

Does Tax Deferred Growth Make Sense For You?

The definition of tax-deferred growth is this: An investment in which some or all taxes are paid at a future date, rather than in the year the investment produces income. When comparing tax-deferred accounts with annual taxable accounts, several factors need to be considered: · How soon will the funds be needed? · Are these [...]

By |2019-02-25T08:48:50+00:00March 16th, 2018|401(k) Rollovers, Retirement Planning|

Why Market Draw Downs Slash Total Retirement Dollars

Will the stock market volatility reduce your retirement funds?   After a productive and too often strenuous lifetime of work, the time comes when we want to rely on the dollars we’ve saved and the income for which we have planned. Many of us saved in qualified funds retirement accounts, such as 401 (K)s, IRA, [...]

By |2019-02-25T08:49:40+00:00March 14th, 2018|Retirement Planning|

The Emotional Side Of Being A Trusted Advisor

Remove emotion when dealing with money decisions   I recently received a call from my client, who shared with me that her husband of fifty-two years had passed away. I could feel the sadness and pain in her fragile voice. The reason for her call was she needed help filling out the death claim forms [...]

By |2019-02-01T22:17:43+00:00March 10th, 2018|Retirement Planning|

The Eighth Wonder Of The World

Ben Franklin said it (reportedly); “The Eighth Wonder of the world is compound interest.” And it’s true! Take $100,000, at 3% compounded for just five years; that amounts to $ 115,927. That’s a 15.9% gain. Now take $100,000 at 3% simple interest for five years; that amounts to a flat $115,000. A flat 15% gain. [...]

By |2019-02-25T08:50:09+00:00March 3rd, 2018|Financial Planning|

Let Freedom Ring

“So Laurabell, how is business? Have you been freeing many people into retirement?” That was the greeting I received when I met with one of my clients to deliver his contracts. His statement about freeing people into retirement made me think; that is precisely the business I am in, the freedom business. You see, when [...]

By |2018-03-11T00:08:47+00:00March 3rd, 2018|Retirement Planning|