Variable annuities allow the owner considerable flexibility to invest annuity premiums in any way they see fit. The risks involved are the same as investments in stocks, bonds or mutual funds. The investor gets to keep the entire profit from gains and is liable to bear the loss for any decline in the price of invested holdings.
Annuities offer many options for retirement income. Annuity contracts offer numerous options to receive your accumulated funds as retirement income. Most of these options can be for a specific period and can provide you with income for your lifetime or your beneficiary’s lifetime. Understanding how these income options work and what available income can […]
“Use this easy to understand approach to retirement planning to simplify your plan.” Bill Broich When it comes to retirement planning, predictability is everything, this is especially true for those already nearing retirement age. Younger investors are generally more inclined to look for high-risk/high-yield opportunities where their money can grow as much as possible. Even if […]
By Robert Penna Throughout history, residents of smaller communities have relied on local tribunes, gazettes, chronicles, heralds, and posts for credible and pertinent news and information. Sadly, in the past 15 years, more than ¼ of local newspapers have closed or merged with larger media outlets. The disappearance of this type of publication has left many […]
Why should you care about the “time value of money?” One of the fundamental financial concepts, the time value of money (TVM), says that the current value of a sum of money is worth more than the future value of that same amount. The principle of TVM comes from implicit costs, known as “opportunity costs.” […]
Don’t be quick to click; make sure it’s legitimate. The world has gone digital, so have your assets and much of your personal information. Cybercriminals are aware of this shift but are also mindful of how ill-prepared many people are when protecting themselves in the online world. While cybersecurity might seem complex, a little […]
The holidays are upon us, and you are likely getting ready to celebrate with friends and family. Whether planning to decorate your home or cook a fabulous meal for your loved ones, you must exercise caution this time of year. The time frame between November and January marks the peak of house fire season. […]
Compound interest is a true miracle or a true disaster; it all depends Ben is an elderly man living independently, subsiding on a below poverty income. Ben and his siblings have been continually active for years in our small town in Northern California. Ben helps at his church and helps his neighbors and community, always […]
Don’t Put Your Money Under the Mattress – There Are Other Options Insulating your money against inflation, theft or catastrophe is as simple as taking it out from underneath your mattress and opening a savings account. The three most common are transactional savings accounts, money market accounts, and certificates of deposit. Two alternative accounts are […]
Does a deferred income annuity have a place in your retirement plan? If you’re looking for payments that begin on a future date and continue for the rest of your life, your spouse’s life, or for a specific period, you might consider a deferred income annuity (DIA). DIAs offer several distinct advantages over other […]
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