BUT WHAT DOES THAT MEAN?

Sometimes it is important to go back to basics and talk about the meaning of words that are often used when discussing options for getting that lifetime income you need. “Annuitization is one asset management strategy for retirees seeking to secure lifetime income.” If you are looking to obtain guidance in or near retirement and would like to understand how annuitization works so that you can make choices that are best for you, call us. We are here to help. Click Here to Read Full Article

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SHORTFALL OR SURPLUS?

We have often discussed that one of the biggest risks to a comfortable retirement is running out of money too soon. Sometimes the difficulty is in figuring out where you stand, so I thought to share with you an on-line calculator which “helps you determine your projected shortfall or surplus at retirement. You can also see just how long your retirement savings will last.” If your results project a shortfall, call us to discuss some options you may not have considered. We’re always here to help. Click Here to Read Full Article

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WHAT IS IT?

The other day a friend told me that sometimes it was easier to explain what something was by telling what it was typically used for. This week’s article does a good job of telling us that “the usual purpose of a deferred annuity is to accumulate value for a retirement income that is typically received as a monthly payment to supplement retirement income from other sources such as Social Security. Income from the annuity value may be taken for life or a selected number of years. This plan is called an annuity both during the period of accumulation of funds

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ARE YOU SURE YOU KNOW WHO YOUR BENEFICIARIES ARE?

This week’s article provides some resources I thought to share with you relating to beneficiary designations on financial assets such as checking, life insurance and retirement accounts. Because “each of these accounts has a named owner and often a beneficiary to receive the proceeds if the owner were to die” it is important when change of life events occur to “ensure that your account ownership and beneficiary designations are in keeping with your wishes”. If you would like us to review your insurance products with you to ensure that they have the designations you would like, please give us a

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