Want to Accumulate?

Did you know that if you need “insurance for as long as you live and want to accumulate savings a universal policy” might be something you want to consider as a choice. Sometimes people “take a shortcut (such as simply buying a multiple of annual income).” Call us if you would like help in determining the right amount of life insurance, and the type that best suits your goals. We’re always here to help.

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Retirement Calculators

Are you on track for where you need to be for retirement? This week I thought to share with you several calculators. “These customizable calculators will allow you to run different scenarios and discover how small adjustments could make a big difference for your retirement future.” Call us after you have your calculations because we can help you get on track if your numbers aren’t making you happy! We’re always here to help.

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Transform your Stress

This week’s article tells us that “Financial stress is the number one source of stress for employees, according to a Price Waterhouse Coopers 2019 survey. Financial matters outrank any other source of stress combined, including health and relationships. Retirement can be a key driver in that stress with nine out of 10 people reporting they don’t feel very confident in their overall retirement savings situation.” If you are feeling the stress, call us. We know of some choices that may help you feel better about your retirement planning. We’re always here to help.

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“It’s No Myth, Lack of Diversity Puts Retirement At Risk.”

This week’s article tells us “to diversify, products like a fixed indexed annuity can offer balance, growth potential with principal protection, and a steady income stream during retirement.” Don’t let misconceptions derail your best solution for balance and security. Did you know that “Not every retirement account can guarantee a steady lifetime income stream like Fixed Index Annuities?” Call us, we’re happy to discuss your retirement situation with you and help you sort myth from fact. We’re always here to help.

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The Crisis

I read an article the other day that, while written a few years back, seemed to resonate even more today. The author wrote “More dangerous yet is the shift in focus away from retirement income to return on investment that has come with the introduction of saver-managed [retirement] plans: Investment decisions are now focused on the value of the funds, the returns on investment they deliver, and how volatile those returns are. Yet the primary concern of the saver remains what it always has been: Will I have sufficient income in retirement to live comfortably? Clearly, the risk and return variables that now drive investment decisions are not being measured in units that correspond to savers’ retirement goals and their likelihood of meeting them.” That’s where we come in. We have some ideas to help you obtain sufficient income, and look forward to helping you meet your retirement goals. Call us, we’re always here to help.

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Boost your Financial Education

It’s back to school month, and regardless “if your household doesn’t include school-age children, you can still take September as a time to reevaluate your personal development and consider areas for growth in the future. For instance, a financial health checkup is a good way to discover ways to improve your financial education.” Call us if you would like to discuss options that can help provide you with an income stream you can’t outlive. We’re always here to help.

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Pensionize

I came across an article from the past that caught my eye. It tells us that “Entering retirement can be a particularly jarring experience for seniors, and not only because they’re leaving behind the familiar world of work. For the change also requires a shift in one’s financial orientation — from savings accumulation to decumulation. Above all, the transition brings into focus one overriding goal: how best to “pensionize” a nest egg so that your money outlasts you, and not the other way around.” Call us if you’d like some ideas on how to pensionize your savings, and obtain income in the process. We’re always here to help.

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Annuities: Why You Need To Know How They Work

“You need to know how they work, because many financial planners recommend them to their clients for retirement planning purposes. In fact, one study shows that almost 90% of planners recommend them.” Why are they doing that? “…because the stock market has become a part of our daily conversation – the deal is everyone is supposed to be building retirement assets. Okay, so you build your assets, but how do you make sure that you don’t outlive them?” That’s where we come in. Call us, we’re happy to tell you more about how to have a more secure retirement income.

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Explore Diversified Options

This week’s article tells us “Diversifying your portfolio means balancing risk and growth. One option you might consider when forming your plan is fixed indexed annuities (FIAs). Designed for the long term, FIAs offer a guaranteed minimum rate of return and tax-deferred growth over time. And because they are insurance products, indexed annuities can offer a guaranteed income for life”. If this is something you think you would be interested in, give us a call. We’re always here to help.

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In the News

It is important to understand certain products being discussed in the news as it relates to proposed changes with your qualified 401K funds. The changes are being reported as coming about due to the great numbers of retirees who are outliving their savings. That is one of the reasons why a Fixed Annuity is so important. “In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest”. In essence, this income to you continues so long as you are alive. Hence, the question being asked before you purchase one is “Do you want an income you can’t outlive?” That is what this product gives you. Call us to learn more, and to ask any question you may have. We’re always here to help.

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FEATURED ARTICLES

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One

Educate Yourself

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Two

Understand the Basics

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Three

Who's who in a Fixed Index Annuity

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Four

Understand the Benefits

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Five

Tax Deferral

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Six

Indexed Interest Potential

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Seven

Protection Benefits

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