I get asked this question a lot. “What is an Annuity?” Most people I talk to when it comes to retirement planning either do not understand annuities or have heard much negative press regarding annuities. I feel the simplest way to explain what an annuity is and why they play a significant role in any […]
“If you’re worried about running out of money when you retire, then you and the 1920s baseball star may have more in common than you think.”- Lawrence Castillo Too many people closing in on retirement or who are already retired spend a lot of time worrying. These retirees and pre-retirees are fearful about what will […]
Diversify. Don’t lock yourself into one strategy during a period of market volatility. Be able to adjust your plan periodically based on the current market conditions. Position yourself as safe as possible during bear markets. These are all things retirees hear every day. And they’re all great advice. Unfortunately, many aren’t hearing “the rest of […]
“Just because annuities aren’t the best choice for some people doesn’t mean they aren’t good for anyone, no matter what those financial “gurus” on television say.-Steve Kerby I’m far from being a “doom and gloom-er,” but 2022’s tumultuous economic environment has me more than a little concerned about the many seniors with disproportionate amounts of […]
When it comes to our investments, we all want to see them grow. But sometimes, the markets can be volatile, and we can be exposed to losses. While it’s normal to feel concerned about volatility, it’s important to know that options to reduce market volatility are available. Often, I recommend Fixed Indexed Annuities (FIA) as […]
As I write this, the stock market has just finished a seventh straight week of extreme volatility. Losses are piling up, creating anxiety for those about to retire. This uncertainty is prompting many retirees and pre-retirees to seek ways of controlling at least some of the uncertainty of market returns and hedge against an extended […]
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 […]
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