Articles

What You Need to Know About Probate

September 28, 2023/in Estate Planning/by Eric Hutter, Amy Rushforth

Most people have a general fear of probate which is often based on publicity or misunderstood information. The press and numerous articles explain the hazard of probate and the underlying expenses which could wipe out an estate. Are these real or imagined concerns? The answer is quite simple, it all depends. It depends on the size and complexity of the estate. It depends on instructions from the will of the decedent.

happy retired couple with financial consultant

Is Financial Planning Different Than Retirement Planning

September 28, 2023/in Retirement Planning/by Steve Kerby, Amy Rushforth

Financial Planning vs. Retirement Planning: What You Need to Know When we talk about our financial futures, two terms frequently emerge: financial planning and retirement planning. But are they the same thing? In short, no. Each plays a distinct role in securing our financial futures, and it’s crucial to understand their differences. Financial Planning: This […]

Alternatives To Traditional Long Term Care Policies

September 28, 2023/in Retirement Planning/by Chad Owen, Amy Rushforth

Navigating Long-Term Care: New Avenues for Protection Long-term care (LTC) is a daunting subject for many. Historically, there were limited avenues for managing LTC costs, with most relying on personal savings or steep insurance premiums. In an era where LTC costs are skyrocketing, there’s a growing need for diverse protection options. Thankfully, recent innovations in […]

The New Paradigm of Retirement Income Solutions

September 28, 2023/in Retirement Planning/by Al Martinez, Amy Rushforth

Secure Your Golden Years with Annuities and Insurance Products How we think about retirement has significantly shifted in recent years. The conventional wisdom that suggests relying solely on Social Security benefits and personal savings is increasingly seen as outdated and precarious. As advisors, we must offer clients a multi-faceted approach to secure their golden years. […]

A Wake-Up Call

September 28, 2023/in Retirement Planning/by Brad Pistole, Amy Rushforth

Retirement Preparedness of Generation X With the transition of Baby Boomers into retirement, the spotlight now turns to Generation X (Gen Xers) as they approach their golden years. For approximately 20% of the US populace and currently in their 40s and 50s, Gen Xers confront a sobering reality: many haven’t saved nearly enough for retirement. […]

Annuities: A Lifelong Friend

September 28, 2023/in Annuities/by Arianna Del Palazzo-Lavallee, Amy Rushforth

Life is a series of stages, and our financial needs and goals change with each. From the early days of starting a career to the golden years of retirement, ensuring financial security remains a priority. Enter annuities, a financial instrument designed to provide you with regular income payments at intervals of your choice. Let’s dive […]

The Myth And Realities Of Your Average Rate Of Return

September 27, 2023/in Investing, Retirement Planning/by Ben Kunes, Amy Rushforth

Unpacking the Intricacies of Rate of Return on Investments Regarding investment decisions, one question reigns supreme: “What is the rate of return?” The answer you get essentially depends on who you consult. Pose this question to an investment broker, and you might hear that the average rate of return on an XYZ mutual fund is […]

The Huge Difference In Your IRA Between Accumulation And Distribution

September 27, 2023/in Annuities, Retirement Planning/by Ed Hochard, Amy Rushforth

Navigating the Complexities of Retirement: Understanding the Accumulation and Distribution Phases Many individuals struggle to rely on their retirement savings for post-work life in today’s financial landscape. The days of traditional pensions are dwindling as companies increasingly shift away from such plans. The two major phases, accumulation, and distribution, are crucial to understanding the retirement […]

Five Tips For Cybersecurity Consciousness

September 27, 2023/in Estate Planning, Investing/by Derrick Loflin, Amy Rushforth

Five Cost-Free Cybersecurity Tips to Safeguard Your Retirement Americans’ top worries about crime today revolve around digital safety. The leading concerns include “having your personal, credit card, or financial information stolen by computer hackers” and “being the victim of identity theft.” As the world shifts further into the digital realm, adapting to this new reality […]

Growing Concerns About Financial Longevity Plague U.S. Retirees

September 26, 2023/in Retirement Planning/by Frank J. Gorshin, CLU, Amy Rushforth

Economic volatility is increasingly shaking Americans’ faith in their retirement plans. The main worry that looms large is the possibility of outlasting their financial resources. This apprehension is most acute among Generation X and Baby Boomer groups, many of whom are nearing retirement or have already entered this new phase of life. Recent survey data […]