When it comes to our investments, we all want to see them grow. But sometimes, the markets can be volatile, and we can be exposed to losses. While it’s normal to feel concerned about volatility, it’s important to know that options to reduce market volatility are available. Often, I recommend Fixed Indexed Annuities (FIA) as […]
“If you are waiting for interest rate hikes before purchasing an annuity, you may want to reconsider.” Joe Edgeworth The Federal Reserve has begun declaring interest rate changes in the past few months. If you currently have an annuity or are considering buying one, you might wonder if those rate increases will affect your annuity’s […]
“A “joint and survivor” annuity may provide greater peace of mind for couples over 65. You will need to do some research before you purchase, however.” Joe Edgeworth As you probably already know, annuities are retirement income vehicles that can provide predictable, guaranteed income streams during retirement. A particular type of annuity, the joint and […]
Greed and fear are human emotions, and with them can come human mistakes. Fear: an unpleasant emotion caused by the belief that there is a threat that could harm you. Greed: An intense and selfish desire for something, especially wealth. While these words are, by definition, very different, they relate to each other in the […]
Make sure you do not forget these tax deductions. There are the standard tax reductions every taxpayer knows about, but there are three others few realize that they can deduct to reduce their taxes. Plus a bonus! Volunteer work donations Many American volunteer their time and services to nonprofit organizations instead of making […]
A recent report from the American College illustrates the lack of information and knowledge most Americans have when it comes to their financial lives. This can become a significant problem for those working towards a retirement that has enough funds to make the “golden” years “golden.” The simple fact that so many Americans are misinformed […]
Try to save something while your salary is small; it’s impossible to save after you begin to earn more. –Jack Benny At one time or another, every one of us has struggled with money issues. Even those of us who spend lots of time thinking about how to improve their finances and who go to […]
What is financial fear? How do you overcome it?
Should you consider using a financial planning attorney. Often, a simple meeting with an attorney can make all the difference in the world when it comes to an orderly asset transfer. Here’s a story to illustrate why a couple in Indiana decided to take the do-it-yourself approach to financial planning. The husband died unexpectedly, and […]
Naming a beneficiary on an annuity can help lower probate expenses Annuities are contracts between an individual and an insurance company. Annuity contracts allow for the owner of the annuity to name a beneficiary so in the event of the death of the annuitant. Because this is a contract, the beneficiary will normally receive the […]
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