The Top 7 Most Common Financial Mistakes

Try to save something while your salary is small; it's impossible to save after you begin to earn more. --Jack Benny At one time or another, every one of us has struggled with money issues. Even those of us who spend lots of time thinking about how to improve their finances and who go to [...]

By |2019-06-17T21:32:11+00:00June 15th, 2019|Retirement Planning|

Sleep Tight Knowing Your Investments are Safe.

Sleeping well is tough with the volatility of our economy   The stock market is volatile. The CEOs salaries are out of control. The hedge funds are losing money. What options does that leave for the safety investors? Where can we invest our money to ensure it will not lose value? A bigger question is [...]

By |2019-04-06T15:49:02+00:00June 10th, 2019|Financial Planning|

Annuities Dirty Little Secret Number 1

What is the real benefit of Fixed Indexed Annuities? Your funds are fully guaranteed and are safe and secure. Your Fixed Indexed Annuity can only increase. Fixed Indexed Annuities are best suited for people who want to protect their original principal and provide for an increase in funds linked to a major index.

By |2019-03-06T21:53:43+00:00June 10th, 2019|Annuities, Annuities 101|

Helpful Tips For Improving your Credit Score

Your credit score is used to evaluate your credit worthiness and determines the amount of the loan (credit) that you receive and the interest rate of that loan. The average credit score in the U.S. is around 678-750, but the average American is also more than Eight Thousand dollars in debt. While a credit score of 678 won’t keep you from getting a loan, it won’t necessarily guarantee you the best interest rate either.

By |2019-04-09T20:58:13+00:00June 7th, 2019|Financial Planning|

Protecting Your Family’s Inheritance: Beneficiary-Controlled Trusts

In a perfect world, your will would be drawn up, your assets would be distributed in a timely, no-hassle fashion after your death, and your family would be immediately able to enjoy the financial legacy that you spent your life creating for them. Unfortunately, no one lives in a perfect world, but a beneficiary-controlled trust can help ensure that your children will have access to their inheritance in a way that is faster, and is legally protected longer-than some of the more traditional methods. A Beneficiary trust is long-term many states allow this type of trust to remain in perpetuities for at least a century, if not longer. A Beneficiary trust also maintains a structure that protects assets from creditors, false-heirs, ex-spouses, and any other potential beneficiaries and parties not named by the trust.

By |2019-03-11T16:31:51+00:00June 7th, 2019|Estate Planning|

What Your 401k Provider Doesn’t Want You to Know

Investing in your 401k is absolutely crucial to your future financial security, and as such, it is important to know how hidden fees and other 401k provider practices can impact your investment. With investing, as in life, it is often the unexpected things that have the biggest impact. Keep reading to find out how certain aspects of typical 401k plans may impact you.

By |2019-04-17T18:57:43+00:00June 7th, 2019|401(k) Rollovers|

Know Your Annuity Contract: Nursing Home Waiver

Almost all newer annuity contracts have a provision in them to allow access to all or most of your funds without penalty in the event of a need for a nursing home. The greatest fear of most senior adults is being confined to a nursing home and not being able to live in dignity. Annuity [...]

By |2019-04-11T06:40:34+00:00June 7th, 2019|Annuities, Annuities 101|

What Is The Best Annuity?

What do you want the annuity to accomplish for you? That question is best answered with another question. What is the purpose of the annuity? What would you like it to accomplish for you? Many companies and annuity marketing organizations will tell you about how great their annuity products are, and generally, their features and [...]

By |2019-04-11T22:47:43+00:00June 7th, 2019|Annuities|

Tax Deferred Annuity

Use tax-deferred annuities to manage your future tax liabilities   A tax-deferred annuity is a plan in which income tax on an original deposit of investment income is not charged during the investment period. The tax liability is deferred until the owner or beneficiary begins to receive (or accesses funds) periodic payments of earnings from [...]

By |2019-02-21T20:45:20+00:00June 7th, 2019|Annuities, Annuities 101|