NEws

GLOSSARY OF TERMS

From time to time we come across publications that are beneficial for anyone owning or thinking of owning an annuity to have. This week’s publication is a glossary of terms that are often used when discussing this particular type of product, and it is in a form that is easy

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DO YOU HAVE AN ILLUSION OF WEALTH OR AN ILLUSION OF POVERTY?

This week’s article tells us that “A new study has found that one difficulty workers saving for retirement have in judging whether they’re on track is that they could be under the “illusion of wealth” or, conversely, under the “illusion of poverty.” The study, “The Illusion of Wealth and Its

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QUESTIONS TO ASK

We always enjoy finding articles that help you to make good decisions for your financial future. This week’s article is one of those as it suggests some questions to ask that help determine what a good choice might be for you. “Indexed annuities offer a unique and attractive blend of

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HOW OFTEN?

If you have ever wondered how often you should review your annuity portfolio, this week’s article tells us it should be done “as often as you would your other investments”. This is one of the reasons we invite clients for an annual review. Major changes such as a serious illness,

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BRIDGE THE GAP

I wasn’t really surprised to read in this week’s article that “When it comes to savings, the gender gap is huge. A recent study indicated that women have 50% lower savings than their male counterparts.” The amount and timing of our savings is dependent on so many factors, some of

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RETIREMENT READY QUIZ

From time to time clients will ask me about on-line tools they can use to help analyze and judge their preparations for retirement. Sometimes it is beneficial to insert various figures into an analysis and get a better idea about where you fall in terms of your income needs for

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HIGH TECH OR HIGH TOUCH

This week’s article reminds us that “While high-tech solutions offer tremendous convenience, some things are still much better when they are high-touch. One of these things is retirement planning and creating a financial plan for the future. There are many options and components available when you are building your retirement

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BASIC BUILDING BLOCKS

This week’s article begins with a thought we have often discussed; “Annuities have long been the basic building blocks of the U.S. retirement income system.” Economists generally agree that many retirees would benefit if they annuitized at least some of their retirement savings. Call us if you would like to

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GROWTH POTENTIAL BUT MORE IMPORTANTLY PRINCIPAL PROTECTION

I found this week’s article timely as the markets rise and dip. This week’s article says that “Fixed Indexed Annuities combine the stability and guarantees of a fixed product with growth potential based on the performance of an underlying securities index such as the S&P 500.” I liked how the

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ADVANTAGES

With President’s weekend fast approaching, we can’t help but think more about helping those veterans amongst us. This week’s article states that “Veterans preparing for retirement may purchase annuities to supplement their military benefits and future benefits like Social Security and pension payments. Annuity income provides tax advantages, a consistent

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OLDER COUPLES BOTH EMPLOYED

I don’t know about you, but I have often wondered if in the end it really makes a difference, when all is said and done, if both spouses worked prior to entering retirement. I read a study that I thought to share with you this week that discussed this issue

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BRINGING BALANCE

“In our hectic lives, balance is something many of us strive to achieve.” This week’s article caught my eye with its first sentence, as the thought of balance rang resonant with what we have always sought to provide assistance on with our clients. Balanced options are so important in retirement

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OLDER AMERICANS WORKING LONGER

Did you know that “Older Americans are working longer and claiming their Social Security benefits later, new research from the Social Security Administration shows.” This week’s article reminded me that sometimes individuals work longer solely because their savings are insufficient to carry them through a longer period of retirement. Call

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SOMETIMES IT’S FUN

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.

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SOMETIMES IT’S FUN

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.

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ARE YOU UNDERSAVED FOR RETIREMENT?

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

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RETIREMENT SECURITY BLANKET

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,

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LET’S LOOK BACK TO LOOK FORWARD

As we come to the end of the year I thought to share with you a group of articles that I have found to be informative, each of them reflecting on different issues relating to planning for retirement that you may want to reflect on. Ranging from “11 Money Lies

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LET’S LOOK BACK TO LOOK FORWARD

As we come to the end of the year I thought to share with you a group of articles that I have found to be informative, each of them reflecting on different issues relating to planning for retirement that you may want to reflect on. Ranging from “11 Money Lies

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IF YOU LIVE LONGER

“Imagine sitting down on the day of your retirement to plan your financial future. You know what your annual expenses have been and you want to maintain your current standard of living. So, you consult a recent mortality table and find that if you’ve made it to your 65th birthday,

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A STREAM OF CONSUMPTION IN RETIREMENT

This week’s article states that “Individuals engaged in financial planning for retirement have no shortage of resources available to provide guidance on how much to save and how to invest those savings. If one does a Google search on the term “retirement planning,” the lion’s share of the over 1.2

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