Examine the different types of annuities and see if an annuity is the right fit for your retirement portfolio.

What Goes Up Must Come Down

“What goes up, must come down-Spinning wheel got to go around" A famous line from Blood, Sweat, and Tears.” - Ray Cessna What really makes stock prices go up or down? Is it truly as simple as what goes up must come down and vice versa? How do I select stocks with the best profit [...]

By |2021-02-03T22:41:18+00:00February 3rd, 2021|Annuities, Financial Planning, Investing, Retirement Planning|

Lower Your Costs In Retirement By Getting And Staying Healthy

"Multiple surveys of today's seniors point to health and wellness as a top concern in retirement. A majority of respondents over 50 cite good health as the key to a happy and prosperous life after work."- Angie Politarhos. As Gen Xers and Millennials move into planning their post-career lives, there has been a shift in [...]

How Rising Unemployment Will Affect Retirees

"Rising unemployment has serious implications, even for those already retired." Robert Cannon. As the country emerges from COVID-19-related lockdowns, we are beginning to see more of the economic aftermath, particularly in the form of unemployment. When you are already retired or are close to retirement, it's tempting to feel somewhat insulated from the effects of [...]

What Are Exchange-Traded Funds, And Should You Consider Them For Your Portfolio

"It's been over thirty years since Toronto Stock Market launched the first exchange-traded fund (ETF). Since that time, ETFs have gained popularity and are poised to take over the current mutual fund market." John Ripley What are ETFs, anyway? Created to give individual investors more liquid and tax-efficient products than traditional mutual funds, ETFs were [...]

Is Your Advisor Giving You The Right Advice?

"If people would look carefully at their advisor recommended portfolio, they probably would find they are being charged an advisory fee by their advisor and then learn they are paying another fee in the mutual fund to have their money managed. Double fees."  Jeff Wisuri I cannot count the number of times I have sat [...]

Do You Have The Liquidity Needed For Downturns?

 "Liquid assets are a major component of a healthy financial plan. Are you making sure your clients have the cash they need to hedge against disasters?" Del Fujinaka Income shocks produced as a result of the pandemic have had a somewhat purifying effect on financial planning. Before COVID-19, many consumers were dismissive of the idea [...]

Can You Ensure Your Golden Years Are Sweet?

"There is only one difference between a long life and a good dinner: that, in the dinner, the sweets come last." – Robert Lewis Stevenson. We all want our retirement years to be financially secure, but the "Golden Years" are anything but sweet for many. Even the best plans can be completely derailed by market [...]

By |2021-01-29T20:02:11+00:00January 21st, 2021|Annuities, Estate Planning, Insurance, Investing, Retirement Planning|

The Top Qualities Of Debt-Free And Financially Prosperous People

While there is no single quality that guarantees a person will be financially successful, there are some common traits the financially free have in common. I believe that anyone, especially those partnering with a dedicated, trusted financial advisor, can achieve financial freedom, no matter how small or large their salaries. There are tons of stories of people [...]

How To Design And Customize Your Retirement Asset Allocation Framework

The one-size-fits-all approach their advisor may have used during the accumulation phase just won’t work when it’s time to retire.-George Politarhos Generic, templated approaches to financial planning can work for some people during the “accumulation” phase of their financial lives. However, as a person gets within five to seven years of retirement, it becomes obvious [...]