Learn the basics of Estate Planning, including wills and probate, trust, beneficiary designations & taxes.

Should You Consider Moving When You Retire

"Some retirees find they can add 6-8 years to their retirements by moving. But there are lots of things to consider before doing so."-Dana Trenchfield It's common for seniors who want to remain in their hometowns to trade their large homes for smaller, less expensive ones. Most retirees enjoy being in a familiar environment and [...]

How Can A Hybrid Annuity Help You Plan For Long Term Care

If you are over 50, your financial advisor, agent, or CPA has probably mentioned the need for some protection against the potentially disastrous costs of long-term care. Knowing that retirees face increasing costs for long-term care and live longer than ever, your advisor may have suggested you purchase traditional long-term care (LTC) insurance policy. However, [...]

What Are Buffer Annuities And How Do They Work

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 [...]

What Is A Multi-Year Guaranteed Annuity And Why Should You Care

While no single financial product can meet the financial needs of every retiree, annuity products have evolved to earn a respectable place in many retirees' portfolios.- Randy Hux One of the easiest to understand products in the financial world is the multi-year guaranteed annuity or MYGA. A MYGA is a fixed-rate insurance product that allows [...]

What Is An Annuity Laddering

What Is An "Annuity Laddering" And How Can It Work For You "A desire to preserve cash savings and turn that money into lifetime income is a primary reason some people decide to purchase annuity products. "Laddering" can help these products work even more efficiently."- Jerry Yu It's genuinely shocking when I run across people [...]

The Elusive Market Sidewinder Hidden But In Plain Sight

Like the elusiveSidewinder Snake, the elusive “Market Sidewinder” buries itself in the sand of financial data we take in, staying calm and waiting for the right opportunity to reach out and bite us. The Sidewinder Snake is unique, able to travel sideways speedily at 18 mph across the sand. His method for getting his next meal [...]

The Real Truth About Fixed Index Annuities In A Bear Market

I think we can all agree that the stock market has been extremely volatile since the COVID-19 pandemic. But what has the market done and what was the average return from the beginning of the stock market.  Well, let us investigate the truth, believe it will be a real eye-opener. We have had a bear [...]

The Long Hot COVID 19 Summer

It's only been eighteen days since my last article. Still, answers in our financial game of life seem to escape us like a high fly baseball hit so hard and high and seemingly suspended like a cloud, slowly..... Falling down out of the air, changing course as the baseball falls back down and many are [...]

A Compelling Story: Fixed Index Annuities

How would you like to play poker where the casino told you they would guarantee you that you will make money on every winning hand and, you would break even on every losing hand. You would line up for that table, wouldn’t you? That is precisely what we offer with Fixed Index Annuities. Tax deferral [...]

By |2020-07-21T19:03:48+00:00July 21st, 2020|Annuities, Estate Planning, Insurance, Retirement Planning, Taxes|