Articles

Management Of Annuity Taxation

June 28, 2018/in Annuities/by Bill Broich

A tax-deferred annuity provides tax deferral in which income tax on the yield on the original deposit of investment income is not charged during the investment period, as long as the funds remain on deposit in the annuity. The tax liability is postponed until the annuity’s owner or beneficiary begins to receive (or accesses funds) […]

businessman pulling jenga piece reading risk

At Risk

June 27, 2018/in Retirement Planning/by Stephen Dybwad

Every decision you make today, and action you take today, carries an element of risk and offers a potential benefit. It’s such an inherent part of life, and we don’t even think about it. The only time we think much about risk is when the risk makes us uncomfortable. We tend to measure risk with […]

You Spell Annuity S-E-C-U-R-I-T-Y

May 10, 2018/in Annuities/by Bill Broich

So what exactly is an annuity? In the news, almost daily, there is more and more talk about annuities. So what exactly is an annuity? Simply, an annuity is an agreement (contract) between an organization (insurance company) to pay another an agreed upon benefit. The benefit can be in the form of periodic payments […]

Lions And Tigers And Fees Oh My!

April 25, 2018/in Investing/by Stephen Dybwad

There are advisors today who make a big deal about the fees the “other guys” charge. Apparently, they want you to believe that they don’t get paid to help you – or at least not as much. Do you think that’s true? Discussions about fees can get confusing because there are a lot of different […]

Why Annuities?

April 24, 2018/in Annuities/by Roy Snarr

Annuities have a long history of successful retirement income planning, dating back to the Roman Empire in A.D. 225! Simply put, an annuity is a guaranteed payment for a certain period of time, more commonly a lifetime. Ensuring the recipient of the payment never outlives their money and has a guaranteed income for as long […]

Watch Those Comparisons

April 20, 2018/in Annuities/by Stephen Dybwad

Make sure your comparisons are apples to apples Which is better, a hammer or a screwdriver? It depends on what you are trying to accomplish, doesn’t it? Both of them can be wonderful, or both of them can be useless. And even though you are comparing similar things (tools), it all depends on the task […]

Learn The Secret That Most Affects Your Retirement Success

April 16, 2018/in Retirement Planning/by Brad Pistole

When you consider what it takes to establish a successful retirement plan, what comes to mind? Is it your annual rate of return; the safety of your principal; having a balanced portfolio; guaranteed income for life? While all above are important, they are not the most critical factors that will determine whether you will run […]

Owning Gold Is Hoarding

April 9, 2018/in Investing/by Bill Broich

I have been asked so many times about owning gold. Many people feel that gold is safe and a place to keep their money free from invasion of foreign entities or our government. To me, this is absolute nonsense. Try and think on a larger scale, what happens when you buy gold? You now own […]

Which Bucket Of Money Do I Use First?

March 16, 2018/in Retirement Planning/by Steve Kerby

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 […]

Does Tax Deferred Growth Make Sense For You?

March 16, 2018/in Retirement Planning/by Bill Broich

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 […]