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Staff Author

About Staff Author

This author has not written his bio yet.
But we are proud to say that Staff Author contributed 153 entries already.

Articles by Staff Author

Inflation and Fixed Indexed Annuities. Can You Protect Yourself?

February 8, 2022/in Annuities/by Staff Author

Inflation is the rise over time in the price of goods and services. Is a loaf of bread higher than it as the year you were born? Inflation is measured as a annual percentage, the same way interest rates are measured as a annual percentage. Is inflation a bad thing? Not necessarily. It means prices are rising because demand is rising, so it is the result of a growing economy. In a healthy economy, wages rise at the same rate as prices. So in a healthy economy, inflation always rises, meaning the same dollar amount is worth less five years from now. Sounds pretty healthy, doesn’t it? Inflation hurts interest rates because lenders know the longer it takes you to repay the loan, the less the money is worth.

Why Should Retirees And Pre-Retirees Choose A Fiduciary Advisor?

February 1, 2022/in Retirement Planning/by Staff Author

“The term fiduciary is getting a lot of press lately. But do retirees and those about to retire genuinely understand what it means? Andrew Winnett For a long time, many Americans believed that everyone calling themselves a “financial advisor” was a fiduciary, as they understood the term. It’s a logical fallacy that’s understandable when you […]

Are You Paralyzed About Your Retirement Choices?

January 7, 2022/in Annuities, Retirement Planning/by Staff Author

Hurricane Sandy devastated the Atlantic Seaboard, the national election has come and gone, but your money is still safe and sound. Think of the simplicity the annuity brings to your life. No fees, no loads, no risk. If fear of management of your own retirement accounts paralyzes you and causes you stress, simply pass it to a risk bearer, an insurance company, and let the annuity provide you a safe and secure income.

Annuities Are A Logical Solution For Longevity Risk

October 14, 2021/in Retirement Planning/by Staff Author

“Transitioning from saver to spender can be a disconcerting shift for many seniors. A more systematic approach to spend-down can help.” Robert Cannon Transitioning from being a saver in the accumulation phase to a spender in the spend-down stage of your financial life means you will be required to not only keep a close eye […]

The Wisdom Of Planning For Possible Illness

August 14, 2021/in Retirement Planning/by Staff Author

How Medicare Supplemental And Long Term Care Planning Can Make All The Difference In Your Life When people enter their Golden Years, many transitions from an employer-sponsored health plan to Medicare with confusion. The importance of adding an effective Medicare supplemental policy and also considering adding plans to cover long-term care expenses cannot be overstated. […]

Will Your Retirement Income Go The Distance?

July 23, 2021/in Annuities, Retirement Planning/by Staff Author

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 […]

The Chicken, The Egg and Goldilocks

July 16, 2021/in Annuities, Retirement Planning/by Staff Author

Who came first, the chicken or the egg?     Over the past few years, we’ve seen the ”chicken and egg” cycle continue in the national economy. The Federal Reserve pumps more Money into the system and buys vast quantities of U.S. bonds and mortgage-backed securities. This is one reason the stock market took off, […]

Is Your Advisor Giving You The Right Advice?

July 15, 2021/in Annuities, Retirement Planning/by Staff Author

“If people would look carefully at their advisor recommended portfolio, they probably would find they are being charged an advisory fee by their advisor and then learn they are paying another fee in the mutual fund to have their money managed. Double fees.”  Jeff Wisuri I cannot count the number of times I have sat […]

Does Your 401K Or IRA Need To Be Rescued

July 7, 2021/in Retirement Planning/by Staff Author

Because of the accumulation benefits of tax deferral, many individuals have successfully created substantial IRA or 401(K) accounts or other qualified plans.   It is not uncommon for these accounts to have amassed seven figures of total dollars. It is also usually the case that little attention has been focused on what will happen to […]

Can Contentment Cause People To Be Blind To Danger

July 7, 2021/in Retirement Planning/by Staff Author

What is it about contentment that causes people to be blind to danger? As defined by http://www.dictionary.com, a parable is a short allegorical story designed to illustrate or teach some truth, religious principle, or moral lesson. The parable we are talking about today is to teach the truth about people and how they behave. The […]

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