“If you are preparing to purchase an annuity, you will need to decide when you want your stream of periodic payments to begin. The time when the income stream turns on is known as the “annuitization” phase. “- John Ripley There are several ways to receive payments during the annuitization phase of an annuity contract. […]
If you have been looking for a financial advisor or retirement and income specialist recently, you may have run across the term “fiduciary.” Fiduciary rules have been in the news lately due to some new Department of Labor (DOL) rules which clarify which financial professionals are considered fiduciaries and which are not. In June of […]
Sparked by the current pandemic, sales of a relatively new type of annuity have seen a 38% increase over the last year, according to estimates by the Secure Retirement Institute. These latest iterations of annuity products, known as “buffer” annuities,” trace their origins back to 2010. That year, a handful of annuity companies created a […]
Many things in the United States are in flux right now because of the pandemic. Perhaps nowhere is the uncertainty and confusion more apparent than in the US education system. As a parent or grandparent, you obviously want to give your kids the best possible chance of success in life. Until recently, the path to […]
Retirement is all about cash flow, but did you know…. When folks seek to retire, one of the most important objectives to evaluate is their Social Security benefits. Social Security is an excellent resource because it provides a guaranteed check for life. However, if you file your benefit to early (62), you could face up […]
“Many people who carefully plan for their income needs in retirement do so based upon a fixed retirement horizon of average life expectancy and thus might give short shrift to the significant probability of living longer.” – American Association of Actuaries Blues legend Albert King once observed, “Everybody wants to go to heaven, but nobody […]
If you are nearing retirement or already retired, are you still getting the same advice from your financial advisor? Is this the advisor you have had for the last 10, 15, or even 20 years or longer? Has he or she adjusted your portfolio to protect your hard-earned money against any sudden downturn in the […]
In your retirement years, it is essential to not rely on Social Security as your only source of income, especially if you plan on being comfortable in the golden years of your life. 95% of Americans think “I have assets outside of only relying on Social Security, like my 401(k)”, but still don’t have a […]
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