As we grow older, our health becomes an essential focus. The potential need for long-term care becomes an imminent possibility, one we need to address before it becomes a reality. This is not simply about anticipating medical issues but ensuring that our dignity, independence, and financial stability are upheld in our later years. And while […]
As we all know, life can be unpredictable. This is why it is important to have financial buffers in place to protect your family. In this article, we will discuss the importance of having financial buffers for young families and some of the most common types of financial buffers, such as life insurance, health insurance, […]
The ins and outs of an annuity. Annuities are interesting products for persons looking to add a steady, predictable income stream in retirement. There are several reasons why a person might choose to buy an annuity: Guaranteed income: One of the main reasons people buy annuities is for the guaranteed income they provide. With an […]
While both projected and guaranteed retirement plans provide financial stability during retirement, they each have distinct advantages and drawbacks. A projected plan, such as a 401(k), relies on market performance to determine the amount of funds available for the retiree. This can be risky, as there is no guarantee of how much money will be […]
There are two kinds of retirees, those reliant on income/distributions from their IRA and those who are not. Which camp you fall into depends largely on your other sources of income and whether they are enough to sustain you through retirement. You should know which group you belong to if you take an active approach […]
In my years as a retirement and income specialist, I have run across more than one person who claims they hate annuities. More often than not, this position is based more on what one of their relatives told them or what they heard from Dave or Suzy on television than on a genuine understanding of […]
“Annuities are among the most misunderstood retirement and income products on the market. Even some agents who sell annuities don’t truly understand them or their power to transform your retirement.” Brad Rhodes Contrary to what some television financial “advisors” say, an annuity, when properly understood and sold correctly, is an excellent retirement and income planning […]
“Millions of Americans rely on employer-sponsored plans to be the cornerstones of their retirement. But, what happens when circumstances force your employer to change or even eliminate their retirement program?- Brad Rhodes COVID-19’s effects are being felt in nearly every sector of the global economy. Stay-at-home orders, reduced hours, and supply-chain shortages resulting from the […]
“Medicare planning is a complicated and confusing process. Be sure you understand all of this benefit’s nuances and can separate fact from fiction.” Brad Rhodes Medicare is an essential element of any successful retirement. Yet, it is often poorly understood. In my capacity as a Medicare planner, I am continually astounded by how many false […]
“But my spouse is more of a “numbers” person” It is a lousy reason to surrender your role in your financial future.” Brad Rhodes Financial giant UBS Global Wealth Management did a study recently in which 54% of women surveyed admitted they let their spouse be the leader in the family finances. Some of the […]
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