Laddering is a strategy that spreads out the maturities of different fixed-income vehicles. Laddering is often used to invest in certificates of deposit and bonds but can also be an excellent way to maximize an annuity’s value. -Lyle Boss. Some seniors hesitate to add an annuity to their portfolios because they fear missing out on […]
“Annuities were never designed to be 100% liquid. However, modern annuities are now created with features that make your cash significantly more accessible.”- Gary Stewart. Some consumers’ understandable objection to deferred annuities is the perceived inability to access their cash in an emergency without heavy penalties. Annuities are tax-advantaged retirement income tools. As such, they […]
“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 […]
“Inflation causes your savings and fixed income assets to lose purchasing power as time passes and the cost of goods and services goes up. Inflation can alter your standard of living and is especially problematic for retirees.” – Eric Coons Many retirees are worried that government spending and budget and trade deficits have created a […]
“You might be surprised to discover that much of what you hear about annuity products is 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. […]
“If you are waiting for interest rate hikes before purchasing an annuity, you may want to reconsider.” Joe Edgeworth The Federal Reserve has begun declaring interest rate changes in the past few months. If you currently have an annuity or are considering buying one, you might wonder if those rate increases will affect your annuity’s […]
In our last article, we wrote about how a person can use a life insurance policy to leave their heirs more money. Any retirement vehicle can be used but using an annuity or maximizing an annuity is the best way to ensure one’s legacy and provide the resources needed for the family’s future. Most […]
“A worldwide recession seems likely soon. Wise retirees will take steps now to blunt its’ impact.” – Lawrence Castillo Signs point to the possibility of a severe economic downturn in 2022-23, and many retirees feel some panic. Stress during economic times is normal. Still, it’s critical that you remain clear-headed, flexible, and focused on your […]
“Retirement income will last longer if you plan for market volatility. It’s critical to protect your money against “sequence of returns” risk.“- Dave Barr. The timing of withdrawals from your retirement account poses one of the most significant risks to your retirement success. For instance, taking money out of one of your accounts during a […]
This is a story that most of us have heard before. Previously when you retired from your long-time employer, you received the “wristwatch “and your pension. Your pension plan was provided, even if the watch wasn’t! With the pension, you received a percentage of your income and were given a choice to include your spouse […]
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