When most people consider retirement locations, they often look towards coastal towns or sunbelt states, overlooking areas that offer a combination of affordability, amenities, and quality of life. One such place is Lancaster, Pennsylvania, a picturesque locale with a rich historical background, thriving cultural scene, excellent healthcare, and enticing tax advantages for retirees. The economy […]
The transition into retirement brings about various financial concerns for many individuals. How will one ensure a consistent income stream, protect against the stock market’s volatility, and beat inflation while preserving the principal? The solution to these challenges might lie in a financial product called a Fixed Indexed Annuity (FIA). In this article, we’ll dive […]
Financial Missteps that Fail Client Needs As financial advisors, we provide our clients with the best advice tailored to their unique needs, goals, and circumstances. Annuities, a prominent element in retirement planning, are often seen as a pillar of stable and predictable income. However, not all annuities are created equal, and the inappropriate recommendation of […]
A Life Insurance Policy Is Like Any Asset, It Has Value, and It Can Be Sold. As we go through life, we face many challenges and uncertainties. One of the most significant challenges we face is the uncertainty of our lifespan. To prepare for such an uncertain future, many people buy life insurance policies. A […]
Use the contractual guarantees of annuities to build your retirement income. Every decade people are living longer. From 1960 to 2019, the average life expectancy of Americans rose from 70 years to 79 years, while the retirement age increased slightly to 67 years of age in 1983. Because of this gap between retirement and life […]
Banks CDs and Annuities have pros and cons. Here they are…
It’s no secret that retirement planning is often neglected, especially by young adults. However, a new study has found that the problem is particularly acute for women. According to the US Census Bureau, about 50% of women ages 55 to 66 have no personal retirement savings, compared to 47% of men. The gender gap persists […]
Inflation poses a severe threat to all Americans and can cause profound damage to your retirement savings. As of June, the inflation rate in the US was a whopping 9.1%, the highest it’s been since 1981. During times of high inflation, the price of goods and services skyrocket, including the cost of college tuition, healthcare, […]
A cognitive bias refers to how our experiences and preferences distort our judgments and decisions. For example, when deciding whether to buy a new car, we might focus on the positive aspects of the vehicle (the safety features, the comfortable seats) and downplay the negative aspects (the high price tag, the small trunk). This tendency […]
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 […]
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