Protecting your family and your assets from risk is an important aspect of any sound financial strategy.

What Exactly Is An Annuity

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 a bunch of negative press when it comes to annuities. I feel the simplest way to explain what an annuity is and why they play [...]

By |2020-12-29T08:36:34+00:00December 28th, 2020|Annuities, Financial Planning, Insurance, Retirement Planning|

The Fundemantals Of Retirement Have Not Changed

Over the years of our life span, we are increasingly seeing changes occurring at a faster rate, which affects our lifestyle. Here in 2020, since the official start of Covid-19, we now have two or maybe three vaccines to combat this disease. What would normally have taken four to six years to complete has been [...]

And They Lived Happily Ever After

"Happily ever after" is typically the ending to a fairy tale. But it's more than that. It's also the way we want to retire. What does it take to have a long and happy retirement? This has been the subject of study by Ph.D.'s in countries around the world. Before I go on, how would [...]

Are You A Woman Worried About Money?

Are you a woman who tosses and turns at night, worrying about money? Insurer Allianz surveyed women in 2019 found that 67% of female survey respondents reported worrying about their current financial situation versus 57% of males interviewed. Nearly 40% of women surveyed reported thinking about money on a daily or least weekly basis. A [...]

How Should You Prepare Your Finances For Life After The Presidential Election

“Going into 2021, retirees should understand that investment-only retirement income plans are not as efficient and profitable as integrated plans that include transfer of risk through life insurance and income annuities."  Jerry Yu For the first time in a while, Americans are less concerned about how the presidential race outcome will shape the future economy [...]

The Purpose Of Money Dictates Where We Invest

Let me just say that all of America knows where to find Safety—CD’s, money markets, and treasury bonds. All of America knows where to find an opportunity—the stock market. However, many do not know where to find safety, an opportunity for growth, liquidity, and income on the same dollar, at the same time, with no [...]

Retirees Should Invest In A Fixed Indexed Annuity 

As people get close to their retirement years, objectives and goals must adjust from accumulation to income distribution, and portfolio investment risk must be also be addressed accordingly. There is no good reason for investors at or near retirement to have stock or bond market risk, especially in the current low-interest-rate environment. So, where can [...]

What Is An Index Strategy, How Can You Use It To Have A Safer, Prosperous Retirement?

"Index investing" is a passive investment strategy used by some investors in an attempt to generate returns comparable to a broad market index. Proponents of index investing believe that it's impossible to beat the market once you take fees and taxes into account. Many people involved in index investing find index funds to be more [...]

Annuity Payout Options: What You Need to Know

"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. [...]