Is Financial Planning Different Than Retirement Planning

What is the difference?  Make sure you know. Yes, it most certainly is. A financial plan will focus on the accumulation phase during your working years. Its purpose is to make sure you have a realistic target of how much money you will need after you stop working. It also helps ensure that you’re saving [...]

By |2020-04-17T16:19:50+00:00January 28th, 2019|Retirement Planning|

Do We Really Need This Type Of Structure In Our Lives?

As it applies to our daily lives, the word ‘structure’ normally has a positive connotation. Merriam-Webster’s defines the word as a “coherent form or organization.” In a world that seems increasingly chaotic every day, it would be desirable then to have more coherency and organization. When it comes to planning our finances, structured notes and [...]

By |2020-04-13T20:23:45+00:00July 25th, 2018|Investing|

Variable Annuity Sales Take Another Big Hit

Variable annuities are sold by licensed security brokers, fees and expenses are included   Variable annuity sales are headed for their lowest annual sales in nearly two decades, since the mid 90’s, as their multi-year slide continues.  Broker-dealers have been running from the current trend in “transparency” of products, and are now turning to products [...]

By |2020-04-15T21:00:41+00:00April 5th, 2017|Annuities|