The Longer You Live The Longer You Live

"I have felt for a long time a sense of pride, a sense of victory, a sense of life achievement when it comes to our products and how they have evolved." Bill Broich   The simple fact is this; our product guarantees its promises. How many products that you use in your daily life can [...]

By |2021-03-06T21:52:22+00:00March 6th, 2021|Annuities, Annuities 101, Retirement Planning, Uncategorized|

What Goes Up Must Come Down

“What goes up, must come down-Spinning wheel got to go around" A famous line from Blood, Sweat, and Tears.” - Ray Cessna What really makes stock prices go up or down? Is it truly as simple as what goes up must come down and vice versa? How do I select stocks with the best profit [...]

By |2021-02-03T22:41:18+00:00February 3rd, 2021|Annuities, Financial Planning, Investing, 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 [...]

The Modernization of American Annuities

The number one reason that people purchase an annuity in the first place is income protection, protection from living too long. Think of it as an insurance to protect you from outliving your assets. It is not uncommon, and it is becoming more common, for people to outlive their retirement funds, people are living longer. For many people, it just makes solid sense. With the purchase of an annuity come contractual benefits known as settlement options.

By |2020-04-15T21:44:11+00:00February 13th, 2020|Annuities, Annuities 101|

Do You Know And Understand Your Risk Tolerance

What does risk mean when it is concerning your retirement accounts? How do you determine your risk exposure? When considering risk decisions regarding retirement accounts the two most important factors are your current age and the number of years before you retire because as you age, you have fewer years to recoup market losses. Moving to more stable and safe options as we age can help remove the risk factor on a portion of your accounts.

By |2020-04-13T20:24:11+00:00March 13th, 2019|Investing|

Are Municipal Bonds Really Tax Free?

Are municipal bonds tax-free?  Might want to make sure. Municipal securities, also known as "munis," are bonds issued by governmental entities such as states, cities, counties, and other organizations. The bonds are sold to raise money for public interest projects such as schools, bridges, roads, and other municipal construction needs to benefit the public. Like [...]

By |2020-04-13T18:37:26+00:00February 2nd, 2019|Bonds|

Where Should You Invest Your Money? Answer These 8 Basic Questions

 When people think about saving and investing money the first question they ask: "What should I invest my money in?"   To answer that question the following questions should be answered: What do I want the money to accomplish? You may need extra income to cover your monthly current expenses. Or to pay for a [...]

By |2020-04-12T23:51:36+00:00July 10th, 2017|Investing|