Long-term care is a critical factor for people who are planning for retirement. It’s essential to understand what long-term care is, its cost, and the options available to you to make an informed decision about how best to prepare for potential long-term care needs. Let’s break down why long-term care planning is so important. What […]
A few years ago, the Secure Retirement Institute developed a model designed to drive home an important but often overlooked fact: Inflation is a real danger to those nearing or in retirement, perhaps the greatest threat of all. The Secure Retirement Model showed what inflation could do to the average Social Security benefit during a […]
When it comes to life insurance, there are two main types: term and permanent. Permanent life insurance is a bit more complex than term, so it’s essential to understand what it is before you decide which is the right choice. This article will discuss what permanent life insurance is and how it works. What are […]
Long-term care insurance helps cover the cost of long-term care, including in-home care, assisted living, and nursing home care. According to the National Association of Insurance Commissioners (NAIC), about 7.5 million Americans had long-term care insurance policies in 2019. There are several reasons to purchase long-term care insurance. For one thing, it can help to […]
Make sure you understand the financial burden of long-term care. What’s one of the quickest ways your clients can blow through their retirement nest egg? Long Term Care, and with a 70% likelihood of needing some level of extended care, is a predominant retirement risk that should be addressed in every conversation. Many people believe […]
Retirement is all about cash flow, but did you know…. When folks seek to retire, one of the most important objectives to evaluate is their Social Security benefits. Social Security is an excellent resource because it provides a guaranteed check for life. However, if you file your benefit to early (62), you could face up […]
Your financial planner gets paid even if your account loses value, what a deal! In the past, financial planners, stock brokers and financial advisors used assets under management as a revenue source. It works this way: the client has $500,000 invested with the advisor and even though some of the assets may have been acquired […]
Learn the rules to avoid a tax mistake when you roll over your Individual Retirement Account Individual Retirement Account (IRA) rollover is a tax-free distribution from one retirement account to an IRA. It allows your savings to continue accumulating, tax-deferred. An IRA rollover comes in handy if you’d like to consolidate your retirement plans into […]
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 […]
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