Weekly News


I really liked this week’s article because it reflected a conversation I had with a friend the other day. We were discussing how retirement cash flow needs have so much to do with where you live. And if we work backward and see how much money we have saved, and try to factor in the income we can generate off of it we get a better idea of what living within our means really means. It is easier when a retiree has the income they can count on, as opposed to guessing the impact the market may have had on the nest egg principal. Call us if you’d like more information on products that do generate an income you can count on, without eroding the principal at all. We’re always here to help.

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What are the options for obtaining a steady stream of income when we are elderly and really need it? This week’s article discusses how “an annuity can ensure that a retiree is able to afford assisted living. Immediate annuities promise a steady stream of payments, no matter how long you live.” Our needs will vary and be diverse the older we become. Call us if you are in the process of evaluating where you stand in terms of having enough of an income, and an income you won’t outlive. We’re always here to help.

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This week’s article hit the nail on the head when it referred to FIAs as a “good long-term relationship for all”. The author cited five good reasons why you should “love a FIA”: 100% Principle Protection, Balance, Growth Potential, Guaranteed Lifetime Income and Tax Deferred Growth. Take a look and let us know if you think these features have a place in your retirement planning. We’re always here to help.

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What Kind?

If you are anything like me, you become frustrated when financial conversations around you include terminology that everyone assumes you understand. While it is an understandable language to say that we are all probably concerned with how to fund our retirement years, what is not so well understood is the difference between a fixed and a variable annuity. The difference can become even more important when one is deciding what kind of risk to the principle amount invested that they want to take. This week’s article tells us that “with a fixed annuity, the owner is guaranteed at least a minimum rate of investment return. The insurer declares a specific credited rate of return based on the investment performance of its general account assets.” If you think a product with a guaranteed minimum rate of investment return is of interest to you, give us a call. We’re always here to help.

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Slam Dunk

This week’s article discussed strategies for “when your bucket list doesn’t match your budget” in retirement. Is that true for you? One idea discussed related to annuities where the author stated that “Most importantly, to generate guaranteed income in retirement, annuities are a slam dunk.” Because there are so many kinds of annuities out there, call us, we may be able to help you sift through your options and come up with some ideas that best suit your goals and finances. We’re always here to help.

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The other day a friend told me that sometimes it was easier to explain what something was by telling what it was typically used for. This week’s article does a good job of telling us that “the usual purpose of a deferred annuity is to accumulate value for a retirement income that is typically received as a monthly payment to supplement retirement income from other sources such as Social Security. Income from the annuity value may be taken for life or a selected number of years. This plan is called an annuity both during the period of accumulation of funds and during the pay-out period. Deferred annuities may be either IRA plans or non-IRA plans.” Should this be something that you think would suit your needs, call us. We are always here to help.

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We have often discussed that one of the biggest risks to a comfortable retirement is running out of money too soon. Sometimes the difficulty is in figuring out where you stand, so I thought to share with you an on-line calculator which “helps you determine your projected shortfall or surplus at retirement. You can also see just how long your retirement savings will last.” If your results project a shortfall, call us to discuss some options you may not have considered. We’re always here to help.

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This week’s article tells us that “One of the biggest fears among retirees and soon-to-be retirees today is that they will outlive their retirement savings. With life expectancies in developed countries at unprecedented highs, this is a justified concern. Many senior citizens will live to see their eighties and nineties, but they may have only saved enough to fund a lifetime equivalent to their own parents’ – perhaps up to their late seventies. Thus, the demand for a retirement “security blanket” is high.” Call us if you are interested in learning more about using an annuity to help fund your retirement. We’re always here to help.

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I thought you might like this week’s article because it contains several videos aimed at raising your “Retirement IQ”. Did you know that “A startling number of baby boomers don’t know how much money they need to live comfortably during retirement, and without a target in mind, have ended up saving very little. In fact, 1 in 4 baby boomers have less than $5k saved for retirement.” The good news is “it’s easy to raise your retirement IQ. Start with the basics of estimating costs, get a balanced portfolio in place, and research financial products that offer a guaranteed stream of income no matter how long you live.” We can speak with you about some of these financial products if a guaranteed stream of income is what you are looking for. Call us, we’re always here to help.

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Sometimes it is fun to take a moment and participate in a quiz about retirement. Answering questions and then comparing our responses to others gives us new opportunities to think about the choices we are making, and how we are planning for the future. This week’s article does just that. Can you answer the retirement questions it poses? Call us when you and done to talk about your plans for the future. We are always here to help.

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