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|

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 |2018-04-18T02:28:16+00:00March 18th, 2018|Retirement Planning, Uncategorized|

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 |2018-04-18T02:27:08+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 |2018-04-18T02:25:14+00:00March 16th, 2018|Retirement Planning, Uncategorized|

The Investment Pyramid For Asset Allocations

The Investment Pyramid For Asset Allocations The idea of an investment pyramid is based on building the foundation (the bottom) the middle (some risk but higher reward) and the top (high risk and high reward). The concept is simple, build your base and add the other portions as you work to gain your financial goals. [...]

By |2018-04-18T02:21:12+00:00March 15th, 2018|Retirement Planning|

Why Market Draw Downs Slash Total Retirement Dollars

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, and Keoghs. Contributions to those plans are made with pre-tax [...]

By |2018-04-18T02:20:13+00:00March 14th, 2018|Retirement Planning|

Buy Guarantees Not Promises

In the world of insurance, guarantees matter.  Consider the state of the insurance industry, what is guaranteed anymore?  Care insurance premiums are not guaranteed, just have a ticket or an accident and see what happens to your future premiums.  The same with Liability policies, fire insurance and almost any other category of third-party protection. Insurance [...]

By |2018-04-18T02:15:41+00:00March 10th, 2018|Annuities|

The Golden Years Might Not Be What You Expect

Cruises, Golden Years sailing into the sunset? How will you spend your Golden Years? Where do you invest your hard earned and essential retirement funds? Planning It is vital and important, make sure you think about it in depth. Make sure you don’t forget to focus on a much more and impending need, healthcare. Not [...]

By |2018-03-11T00:04:34+00:00March 6th, 2018|Retirement Planning|