Category Archives: Annuities

How to Enjoy a Guilt-Free Retirement

How to Enjoy a Guilt-Free Retirement

David Blanchett and Michael Finke’s research found that annuities may give retirees a psychological “license to spend” their savings in retirement.

5 Lifetime Valentine’s Day Gifts for Your Spouse

5 Lifetime Valentine’s Day Gifts for Your Spouse

Here are five unique ideas that are designed to benefit you and your spouse over your lifetime. A word of caution: Brush up on your presentation skills since each one will likely be met with dead silence and/or outrage depending upon your spouse.

Uneasy About the “A” Word? You’re Not Alone

Uneasy About the “A” Word? You’re Not Alone

When presented in the context of retirement income planning, fixed income annuities have proven to be the most appropriate and natural commercial solution for providing sustainable lifetime income.

Leverage Your Assets for Retirement

Leverage Your Assets for Retirement

When you buy a house, typical financing is a mortgage equal to 80% of the purchase price. This enables you to purchase a much more expensive home than you would otherwise be able to do without the mortgage. The goal is to increase your equity in the property over time through a combination of paying down the mortgage and appreciation.

Retain Your Gains with Fixed Index Annuities

Retain Your Gains with Fixed Index Annuities

Some nerves were recently rattled when the Dow Jones Industrial Average (DJIA) declined 2,052 points, or 7.6%, in six trading sessions, going from a high of 26,952 on October 3rd to a low of 24,900 on October 11th. The loss increased to 2,830 points, or 10.5%, when the DJIA hit a low of 24,122 yesterday…

Replace Unpredictable RMDs with Secure Lifetime Income

Replace Unpredictable RMDs with Secure Lifetime Income

Fixed income annuities can be purchased in retirement plans to provide sustainable lifetime income that can better meet one’s retirement needs than unpredictable and fluctuating required minimum distributions, or RMDs.

Is Cognitive Impairment Part of Your Retirement Income Plan?

Is Cognitive Impairment Part of Your Retirement Income Plan?

The basic purpose of a retirement income plan is to develop tax-efficient strategies that are designed to provide predictable income streams to meet an individual’s or family’s financial needs during different stages of retirement. A comprehensive plan should also include provisions for addressing potential life-changing experiences. One such event that’s generally associated with the latter…

Income-Proof Your Aggressive Portfolio

Income-Proof Your Aggressive Portfolio

With the Dow Jones Industrial Average (DJIA) crossing the elusive 20,000 barrier last Wednesday for the first time, a lot of people are excited about investing in the stock market. Never mind the fact that the DJIA has tripled in price from its low of 6,470 on March 6, 2009, increasing at a mind-boggling average…

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