The Purpose Of Money Dictates Where We Invest

Let me say that all of America knows where to find Safety—CDs, money markets, and treasury bonds. All of America knows where to find an opportunity—the stock market. However, many do not know where to find safety, an opportunity for growth, liquidity, and income on the same dollar, at the same time, with no risk [...]

Retirees Should Invest In A Fixed Indexed Annuity 

As people get close to their retirement years, objectives and goals must adjust from accumulation to income distribution, and portfolio investment risk must be also be addressed accordingly. There is no good reason for investors at or near retirement to have stock or bond market risk, especially in the current low-interest-rate environment. So, where can [...]

What Are The Main Differences Between Annuities And Bonds?

"Both an annuity and a bond can assure you of a steady income when you retire. But these two instruments have some important differences. So it's crucial to know exactly how they differ before you decide which one to include in your portfolio." Ed Hochard Both annuities and bonds are popular with pre-retirees and retirees [...]

By |2021-06-04T18:25:10+00:00June 4th, 2021|Annuities, Bonds|

What are “floating rate” bond funds and are they better than fixed annuities?

“However attractive floating bond funds appear, investors must be diligent to weigh the risks, research the holdings inside the fund, and consult their financial advisory team to ensure alignment with their overall financial goals.”- Jerry Yu With their lower sensitivity to interest rate changes and the ability to reflect current interest rates, floating rate funds [...]

By |2021-06-02T23:28:21+00:00June 2nd, 2021|Annuities, Bonds, Estate Planning, Retirement Planning|

There Is A New Sheriff In Town

There is a new standard for portfolio management: Fixed Indexed Annuities Volatility and anxiety seem to walk hand in hand. Because of uncertainty, many retirees and pre-retirees are more concerned about their financial future than since the Great Depression. The question is where and how do Americans save, and how are their savings affected by [...]

By |2021-08-31T23:08:42+00:00April 13th, 2021|Annuities, Bonds, Retirement Planning|

Using Premium Financed Life Insurance for Tax-Advantaged Income

The purpose of a life insurance policy is to protect and preserve your assets and income in case you or your family suffer a loss (i.e., lose your income, loss of a family member’s income, the inability to work, or other reasons). But did you know that you may be able to use a life [...]

Some Key Points Of President Biden’s Tax Plan

"By focusing on low and middle-income earners, Joe Biden hopes to stimulate a pandemic-ravaged economy. The impact could be significant for higher net worth individuals and corporations."- Jerry Yu. Now that both the House and Senate are in the hands of Democrats, it is likely that President will get more of his tax proposals through [...]

Three Things To Know Before Buying Municipal Bond Insurance

The attraction to owning municipal bonds is twofold, limited exposure to loss and tax advantage interest. With the financial meltdown from 2008, concern over loss exposure has become more and more critical to investors. Many bond owners also purchase insurance on their bonds to ensure safety and security are part of the equation. If you [...]

By |2021-07-20T22:35:45+00:00February 4th, 2021|Bonds|

What Are Exchange-Traded Funds, And Should You Consider Them For Your Portfolio

"It's been over thirty years since Toronto Stock Market launched the first exchange-traded fund (ETF). Since that time, ETFs have gained popularity and are poised to take over the current mutual fund market." John Ripley What are ETFs, anyway? Created to give individual investors more liquid and tax-efficient products than traditional mutual funds, ETFs were [...]