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What Are BOLI And COLI And Why Do Successful Corporations And Banks Use These Tools?

April 13, 2022/in Retirement Planning/by Teresa Kuhn, JD, RFC

“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 […]

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What Should You Do If You Become Disabled Before You Retire?

April 10, 2022/in Retirement Planning/by Norm Garner

“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 […]

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Warning! There Is No Perfect Financial Vehicle To Combat Inflation.

April 7, 2022/in Retirement Planning/by Joseph Zimmermann

“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 […]

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For Some Seniors, Waiting For Interest Rates To Go Up Before Buying An Annuity May Not Be The Best Decision.

April 5, 2022/in Annuities, Retirement Planning/by Joe Edgeworth

“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 […]

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Does Your Portfolio Design Include Risk Management?

March 28, 2022/in Retirement Planning/by Paul Hubbard III

“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 […]

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Are You Prepared For These Retirement Risks?

March 28, 2022/in Retirement Planning/by Joe Uppleger

“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 […]

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Annuity Maximization Strategy: Part 2

March 24, 2022/in Annuities, Retirement Planning/by Dion Jayakoddy

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 […]

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How Retirees Can Minimize The Impact Of A Recession

March 22, 2022/in Annuities, Retirement Planning/by Lawrence Castillo

“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 […]

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Sound Financial Plans Need Life Insurance As A Cornerstone

March 22, 2022/in Retirement Planning/by Brian Swerdlow

“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, […]

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Avoid These 5 Big Retirement Planning Risks

March 21, 2022/in Retirement Planning/by Paul Ritchie

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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