“Annuities have a monopoly on lifetime income creation. They are the only financial tool that gives you an income stream you cannot outlive.” Steve Kerby Over 70% of Americans admit they are ill-prepared to retire. This lack of preparation makes having a lifetime income stream more critical than ever. Most people I meet know intuitively […]
“You might be surprised to discover that much of what you hear about annuity products are either misleading or not true at all.” Steve Kerby Annuities are risk transfer products that have been around for hundreds of years. These contracts have a proven record of success, protecting your principal while delivering streams of lifetime income. […]
“Between 1992-2012, an area of ranch and farmland the size of the state of New York went out of production. One of the reasons was a lack of retirement and succession planning.”- Steve Kerby. America faces a demographic crisis threatening to upend our financial, healthcare, and retirement systems. By 2030, it’s projected that 1 in […]
“A solid credit score gives you more choices and the more choices you have, the greater the chance of retirement success.”- Steve Kerby There’s a long checklist when preparing for the time when you no longer get a paycheck. People within 7-10 years of retirement have a lot on their minds. They may be […]
Time
Time: That period between which something happens or exists. It is measurable, meaningful, and rules our daily lives, each second, minute, hour, and day…usually kept track of via a time instrument, a watch, a clock, or a calendar. Virtually everything is a measurement of time. Time can be in periods, past, present, or future times. […]
When should you, and when should you NOT max out your 401k plan? 401(k)s differ from IRAs in one significant way: 401(k)s allow current workers under 50 to put away up to $18,000 a year. For those over 50, a special “catch-up “provision will let them put in an additional $6,000, raising that threshold to […]
Since it’s your future, it’s good to know that the companies we recommend can meet their financial obligations and should garner the most trust of all the types of investing. Even in the toughest times of economic downturn faced by American and global concerns, these types of companies have enjoyed steady growth and stability with plans to perpetuate their financial strength and to cover all contractual obligations for hundreds of years—not just the next quarter or fiscal year.
“There is a massive disconnect between how much money people think they’ll need in retirement and their actual expenses once they no longer work.” Steve Kerby Retirement marketing tends to present highly idealized visions of retirement as a sort of heaven. In retirement, there is no work, no nasty bosses, endless sunshine, road trips, and […]
“Most people are clueless about Bitcoin. What does it do? Why is it so valuable? What is blockchain? How does this all affect my own money and retirement?” Steve Kerby A brief history Once relegated to the global financial system’s outermost fringes, cryptocurrencies such as Bitcoin and Ethereum have entered the mainstream consciousness in a […]
“Making contributions to a traditional or Roth IRA dramatically increases your ability to build a bigger nest egg, especially if your employer matches contributions. You want to take advantage of this “free money.” Steve Kerby Are you participating in your employer’s 401k or IRA plan? If not, you may be missing out on the opportunity […]
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