Category Archives : All

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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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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FACING RISK

This week’s article mentions that while “we all face risk with our retirement income, overall, women are subject to more financial risks than men, especially in their later years.” The author goes on to explain that “there are a number of ways for women to overcome the various financial challenges and achieve the optimal amount of income for their retirement. By identifying the risks, educating themselves about the risks, and learning how to work around or eliminate these risks, women will be able to clear those retirement hurdles with ease.” The article references five significant hurdles for women that a financial economist has highlighted, and suggests that indexed annuities may play a role in dealing with them. Call us when you get a moment so that we can tell you more about this important retirement product. We’re here to help.

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RISK OR SAFE MONEY PLACES?

In response to the frequently asked question “What is meant by the phrase ‘Safe Money Place’” I thought to refer you to a definition I read and found easy to understand. The author of this week’s article wrote “Safe money places are vehicles that are used for the money that you cannot afford to lose; they’re products that provide peace of mind, knowing that your principal is protected from loss as a result of market fluctuations. Although some conjure up visions of fireproof safes and the space under their mattress when they think of safe money places, true examples of these products include: savings accounts, certificates of deposit (CDs), checking accounts, fixed annuities, indexed annuities and U.S. government savings bonds”. We believe in safer money places over risk. If you think the same way, give us a call so that we can tell you what options are available to you. We’re always here to help.

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SAVE FOR RETIREMENT WEEK

I thought you would like to read the seven retirement tips outlined in this week’s article. Written in conjunction with “National Save for Retirement Week” they provide simple yet important ideas that may help you plan better for your retirement future; especially when looking for ways to provide income that you won’t outlive. The tips also remind us to “incorporate low-risk options like Fixed Indexed Annuities” which “can provide much-needed balance” to your retirement portfolio. Call us to discuss what options may be available for you. We’re always here to help.

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SMALL WAYS TO SAVE BIG

This week’s article tells us “When it comes to saving for retirement, starting early is key. And while putting money away can seem like a huge and daunting task, it doesn’t always require major lifestyle changes. If you implement changes slowly and in small ways, you may not even realize how much you’re saving.” We agree, and because it does take time to save, we believe in putting some of that money into a place where your principal is protected from market declines. Call us so we can tell you everything about this product. We’re here to help you navigate toward retirement.

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