SUMMER TIME

This week’s article writes about topics on all of our minds right now, summer vacation! Just as you may have been busy this past year planning ahead, saving and budgeting both your time and money for a summer vacation, those same disciplines apply to getting “your retirement savings on track”. We take away three easy ideas from this week’s article: spend less and save more; make use of financial resources; and diversify your portfolio. You might want to consider going “beyond the workforce and consider other options like investing in a fixed indexed annuity. Adding a fixed indexed annuity to

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DO YOU HAVE A DEFINED CONTRIBUTION OR BENEFIT?

This week’s article tells us that the typical U.S. household has few retirement savings, and that most people rely on social security. One of the reasons is the reduction in employers offering any retirement plan, and another is for those that do, there seems to be a shift away from “defined-benefit (DB) toward defined-contribution (DC) plan” What does that mean to the employee trying to plan for retirement income? “In a DB plan, a beneficiary receives a lifetime retirement income based on their years of service and their final salary. By contrast, a DC plan is one in which the

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GET CONFIDENT

“Imagine trying to take an around-the-globe trip without looking into the details. In essence, that’s what millions of Americans do every day as they ponder retirement. They head out on the journey and hope for the best.” We believe that the best course of action is one that is planned out, planned well, and planned in advance. That task is always daunting when there are uncertainties ahead. Call us, we may have some ideas you haven’t thought about, and we’re always here to help. Click Here to Read Full Article

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EDUCATING

We believe in educating our clients, and appreciate the frustration that can occur when conversations about retirement planning include words that may be new, or difficult to understand. Because of this we thought to give you an extensive glossary of terms that you may hear or read about in the news, along with some easy to understand explanations. We think this will help you to better understand your choices, and to ask questions that are personal to your situation. Call us, we are always here to help. Click Here to Read Full Article

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