Category Archives : All

QUESTIONS ANSWERED

The first of six questions that this week’s article asks is “Am I investing in an annuity to save for retirement or generate guaranteed retirement income, or both?” Asking this question highlights the multiple roles that an annuity can play in your retirement planning, and answering the question will help you decide which annuity better suits your needs. Call us as you think through your plans, we are always here to help

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SHORTFALL OR SURPLUS

“One of the biggest risks to a comfortable retirement is running out of money too soon.” This week’s article gives you the ability to determine your projected shortfall or surplus at retirement by letting you see how long your current retirement savings will last. If your results are disappointing or cause you concern, call us. We can tell you about some options you may not have considered that may help increase your retirement income. We are always here to help.

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HAPPY BIRTHDAY

Did you know that 21 years ago Fixed Indexed Annuities were first introduced to consumers “as a key product for helping plan a secure, dependable source of income for retirement”?
Year in and year out, retirees seem to search for help in planning for a retirement they can look forward to, instead of worrying about out living their income. Call us as you begin your planning. We may have some ideas you haven’t thought about.

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DIFFERENT OPINIONS?

It is human nature to want a second opinion, whether it be for an ailment we might have or in response to the question “What can I do to better prepare for my retirement?”. That’s why I thought this week’s article would be of interest to you. Written by the Insured Retirement Institute, a leading not-for profit organization that represents the “entire supply chain of insured retirement strategies”, the Institute’s “members are the major insurers, asset managers, broker-dealers and 150,000 financial professionals.” They “advocate for the sustainable retirement solutions Americans need to help achieve a secure and dignified retirement.” Read what they have to say in their review of 2015 and their outlook for 2016. Call us if you would like to dialogue about strategies that might work for you. We’re always here to help.

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RETIREMENT READS

If you’re anything like me, you may not always have time to read an article or book that catches your interest. Because of that, I thought you might like this week’s article as it provides a re-cap of what the author believes are the “5 Best Retirement Reads of 2015”. Take a look and let us know if you have questions on any of the topics covered. We look forward to hearing from you, and we’re always here to help.

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ONCE THE KIDS ARE AWAY, THE PARENTS WILL PLAY

While many couples find they have more disposable income when they become empty nesters, this week’s article talks about what often happens to that money. “It turns out that when the last of their children leave the nest, parents are spending substantial amounts of money, but not necessarily on preparing for retirement.” If you are an empty nester and want to discuss how to use your increased disposable income to help plan for your retirement, call us. We are always here to help.

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ACCUMULATE MORE WEALTH

Most of us have read that females, on average, live longer than males. This week’s article takes this information and applies it to retirement planning. Discussing how women “need to accumulate more wealth to finance their retirement needs”, the author points out that recent studies have drawn into question the logic of taking increased risk to obtain higher returns necessary to produce that greater wealth. He goes on to discuss the role that fixed annuities can play in retirement planning. Call us if you would like to explore this topic more. We are always here to help.

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WEALTH ACCUMULATION AND INCOME YOU WON’T OUTLIVE

This week’s article speaks about the emergence of Fixed Indexed Annuities (FIAs) “as a top choice for soon-to-be retirees due to their potential for wealth accumulation.” We have spoken in the past about the option of using FIAs for income that you won’t outlive. This article draws our attention to an additional consideration. Call us when you have a moment so that we can tell you our thoughts on how this fits into your retirement strategy. We look forward to hearing from you.

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THOSE WHO PLAN

Did you know that “those who plan are estimated to save more than 3x those who don’t”? This week’s article reminds us of this. We’ve always thought that budgeting was important, especially when planning for retirement. You should also remember to take into account that your expenses may increase. Even if some expenses disappear, there are others that can either replace them or change. The inability to predict with absolute certainty how much money we need during our retirement years can be frustrating, but that is what we are here to help you maneuver through. Call us, we look forward to speaking with you soon.

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THINKING TOWARD THE FUTURE

As we close out 2015, it seems appropriate to reflect on the past year and plan for the future. A comment in this week’s article caught my attention as it seemed to do both. ”Fixed-index annuities, a type of annuity that benefits from market gains, have become more popular in recent years as investors wary of stocks sought more stable options.” We are here to help you with options that offer continued stability as we enter this New Year. Happy Holidays.

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