Weekly News

Fuel for Retirement

We read an article the other day from a library of information we have access to and thought it would interest you to know that it discussed “higher interest rates, of course, mean higher payout rates on annuities.” We like fixed annuities because they can provide an income you can’t outlive, something that is fuel for retirement when longevity is on the rise. Call us if you are interested in exploring options like this. We’re always here to help.

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Leaving things to chance

This week’s article hit the nail on the head when it said “Whether your retirement is 20 years away or two, it’s good to see you are not leaving it to chance. Retirement could last decades, so it’s smart to look into ways to grow and protect your nest egg for the long run. Fixed Indexed Annuities (FIAs) can help make the next big thing possible.” Are you leaving things to chance? Call us if you’d like to get your nest egg back. We may have some ideas you haven’t thought of, and we’re always here to help.

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What does that really mean?

It is always important to understand what is really meant by the words used by someone trying to give you advice on your retirement planning. That is why we thought to share with you a list of some key terms, and to “encourage you to understand the most commonly used terms associated with annuities and financial planning.” Take a look at this week’s article and let us know if you have any questions. We’re always here to help.

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DO YOU NEED A SECURITY BLANKET?

It is not difficult to understand why, as this week’s article reports “Americans routinely report anxiety about money, particularly middle-aged people,” especially when they begin to think about retirement. In this day and age where loss of jobs is a reality, and escalating expenses are a given, experiencing stress about the logistics of how we can be assured of having the money we need to pay our expenses in retirement ends up creating free-floating anxiety that is often difficult to contain. Call us if you’d like some help in coming up with solutions. We’re always here to help.

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How Ready Are You For The Next Big Thing?

This week’s article tells us “Whether your retirement is 20 years away or two, it’s good to see you are not leaving it to chance. Retirement could last decades, so it’s smart to look into ways to grow and protect your nest egg for the long run. Fixed Indexed Annuities (FIAs) can help make the next big thing possible.” Call us, we are always here to help you prepare.

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Move?

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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CAN YOU AFFORD IT?

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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DON’T BE HEART BROKEN

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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