News & Updates

SOCIAL SECURITY EARLIER?

The article I thought to share with you this week tells us that ” If you will celebrate your 62nd birthday in 2017 or soon after, you’re in the vanguard of a big change in Social Security: Starting with people hitting that milestone in January, the full retirement age (FRA)—that

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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

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THE RISKS AND PROCESS OF RETIREMENT

I came across the results of a survey conducted online of Americans ages 45 to 80 the purpose of which was to evaluate Americans’ “awareness of potential financial risks in retirement, how this awareness impacts the management of their finances with respect to retirement, and how Americans are managing the

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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

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THE NEXT BIG THING

I thought to share this week’s article with you when I read “Retirement could last decades, so it’s smart to look into ways to grow and protect your nest egg for the long run.” Decades is a long time, especially when you think that you most likely won’t be working

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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

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REPLACEMENT RATIO

Someone asked me the other day to explain to them what a “Replacement Ratio” meant and so I thought to share this with you. Typically the phrase refers to the percentage of pre-retirement income you will need to generate once you stop working in order to maintain the same standard

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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

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FILET MIGNON AND A WINE TOUR

When was the last time you thought about retirement in terms of the pleasures it could bring you instead of in terms of the fear of having enough money to last? I thought about that when I read this week’s article which asks “What City Fits Your Retirement Soul, and

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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 backwards and see how much money we have saved, and

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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

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DON’T BE HEARTBROKEN

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

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MISUNDERSTOOD

I found this week’s article interesting and thought to share it with you as it addressed some basic principles of a long-term retirement option. “Let’s start with defining FIAs. These products are long-term retirement options purchased from an insurance company that guarantee principal protection, tax-deferred growth, and reliable income.” If

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WHY YOU NEED TO KNOW

I thought you might want to read this week’s article because it was very direct about why you need to know how Annuities work. The author states that the reason is because “90% of [retirement] planners” recommend them. Why is that? We think it is because “the stock market has

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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

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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

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ARE YOU ONE IN FIVE?

Would it surprise you to learn that one in five Americans have absolutely nothing saved for retirement? This week’s article tells us that “As of right now, nearly 90% of Americans admit that they are not very confident about their retirement preparedness.” How are you feeling about your retirement? Call

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NO BETTER TIME THAN THE PRESENT

This week’s article speaks to the fact that “living comfortably in retirement is indeed possible”. To achieve this goal, it is important for retirees to develop a “strategic plan that allows stability in their golden years to be reality”. This is not a one-size-fits-all process. Call us if you would

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