David Albin

About David Albin

Helping create financial solutions that bring the greatest combinations of safety, asset value, growth and access to funds for a lifetime of full living is always David's goal. Web Site: davidalbin.retirevillage.com

Does Your Pension Fund Help You Meet Life’s Unexpected Demands

It is very common when individuals explore retirement plan alternatives that they focus on the monthly payments they will receive when they start taking lifetime income.   There are certain circumstances where that criteria can work against what the plan holder needs. Recently a client explored what products would give him the highest monthly income. [...]

By |2019-11-22T07:23:20+00:00November 22nd, 2019|Annuities|

The Wisdom Of Planning For Possible Illness

How Medicare Supplemental And Long Term Care Planning Can Make All The Difference In Your Life When people enter their Golden Years, many transition from an employer-sponsored health plan to Medicare with confusion. The importance of adding an effective Medicare supplemental policy, and also considering adding plans to cover long term care expenses cannot be [...]

By |2019-10-14T21:45:33+00:00October 14th, 2019|Retirement Planning|

Does Your 401K Or IRA Need To Be Rescued

Because of the accumulation benefits of tax deferral, many individuals have successfully created substantial IRA or 401K accounts or other qualified plans.   It is not uncommon for these accounts to have amassed seven figures of total dollars. It is also usually the case that little attention has been focused on what will happen to [...]

By |2019-10-07T23:25:14+00:00October 7th, 2019|Taxes|

Why Market Draw Downs Slash Total Retirement Dollars

Will the stock market volatility reduce your retirement funds?   After a productive and too often strenuous lifetime of work, the time comes when we want to rely on the dollars we’ve saved and the income for which we have planned. Many of us saved in qualified funds retirement accounts, such as 401 (K)s, IRA, [...]

By |2019-02-25T08:49:40+00:00March 14th, 2018|Retirement Planning|

How Fixed Indexed Annuities Offer Guaranteed Income And Avoid Market Risk

Is guaranteed lifetime income important to you?   From time to time clients ask me for an analogy about what Fixed Indexed Annuities are and how insurance carriers can provide upside potential and growth while insulating the annuity owner from downside market risks. An analogy from the world of real estate investing may help understand [...]

By |2019-02-21T15:40:18+00:00February 26th, 2018|Annuities|