“Bank-owned and company-owned life insurance (BOLI-COLI) has a proven track record of helping corporations fund executive compensation and improving their bottom lines.”- Teresa Kuhn. As an alternative to mutual funds, corporate-owned life insurance (COLI) is an investment tool that allows corporations to accumulate tax-deferred assets. A company buys and owns life insurance on key employees […]
“If you’re disabled before you reach retirement age, should you retire early or apply for Social Security disability (SSDI)? – Norm Garner According to recent government reports, three out of four Americans over age 65 have life-impacting medical conditions. These include high blood pressure, obesity, arthritis, and other chronic afflictions, which often cause disabilities. Legally […]
“A lot of financial services marketing claims that buying their products is the best method for combatting the erosive effects of inflation. Don’t believe the hype.”- Joseph Zimmermann. Nearly everyone worries about inflation, especially retirees and those about to retire. It’s a valid concern. Inflation describes increases in the cost of goods and services over […]
“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 […]
“To ensure your wealth isn’t devastated by the unexpected, you need to design a comprehensive risk management blueprint.”- Paul Hubbard III Many types of risks threaten to erode your retirement and income accounts, including inflation risk, longevity risk, and taxes. There are also less apparent threats that may contribute to you running out of money […]
“Understanding and mitigating the risks that cause plan failures is critical if you want to maintain your lifestyle when you retire.” Joe Uppleger Seniors who want sustainable, inflation-protected income when they no longer work face some significant risks, including inflation risk, sequence of returns risk, and longevity risk. To avoid the possibility of retirement portfolio […]
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 […]
“While some people understand life insurance as a “necessary expense” others overlook the valuable role insurance plays in creating financial security.”- Brian Swerdlow For most of us, discussing life insurance ranks right up there with talking about bunion surgery or debating the merits of a high fiber diet. In other words, it’s not that interesting, […]
In this article, I will show you how to identify some of the most significant retirement planning risks and how you can eliminate those from your retirement plan. We will briefly discuss each of these five big risks in more detail. It’s essential that you learn which risks could affect your retirement plan. Tax […]
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