What is the number one worry for retirees? Not having enough money saved to last them in their golden years. Industry expert Tom Hegna has written extensively about this fear in both of his books “Don’t Worry, Retire Happy” and “Paychecks and Paychecks.” He states, “The number one risk retirees must take off the table [...]
I think we can all agree that the stock market has been extremely volatile since the COVID-19 pandemic. But what has the market done and what was the average return from the beginning of the stock market. Well, let us investigate the truth, believe it will be a real eye-opener. We have had a bear [...]
How would you like to play poker where the casino told you they would guarantee you that you will make money on every winning hand and, you would break even on every losing hand. You would line up for that table, wouldn’t you? That is precisely what we offer with Fixed Index Annuities. Tax deferral [...]
I think we can all agree we live in unprecedented times with a worldwide pandemic, anarchy in our cities, and a stock market that is on a roller coaster ride every other day. As retirees, this can become very overwhelming as we question how to protect our hard-earned retirement funds. Do the following fears keep [...]
"Many people who carefully plan for their income needs in retirement do so based upon a fixed retirement horizon of average life expectancy and thus might give short shrift to the significant probability of living longer." - American Association of Actuaries Blues legend Albert King once observed, "Everybody wants to go to heaven, but nobody [...]
Could the Millennial Generation’s retirement create the most significant financial drain in taxpayer history? Everyone knows or has heard of the Millennial generation. As of 2019, the Millennial generation surpassed the Baby Boomers as the largest generation in American history. It’s also known that the Millennials have split into 2 factions: 1. The Driven Professionals [...]
Let me share something with you that’s been bothering me for many years. I’ve been working in the financial services and insurance industry for 50 years, but this experience I have goes back far beyond that, back to when I was in my 30s. This message is intended for men, but ladies, I hope you [...]
I am a “visual” type thinking person. So, I was thinking of ways to further describe the FIA, knowing that it's a different language. I have spoken this language for the better part of 18 years; realizing that sometimes in the communication of a different language, there is a loss of meaning and or interpretation. [...]
Last Friday (August 23, 2019), a very close friend of mine passed away. I wanted share the story with you. I have changed their names, of course, to protect their privacy. Recently, a very close friend of mine passed away and I wanted to share the story with you. I have changed their names, [...]
Two of the benefits of Fixed Indexed Annuities I talk about daily in my practice are 1) their ability to protect retirement accounts from market volatility, and 2) protection from ever running out of income during retirement. Of course, this is retirement asset protection. But something that has been lost over the past several [...]
