The Role of Confidence

May 28, 2019

This week’s article discusses how owning a certain financial product can influence on an emotional level the confidence that retirees feel. Researchers interviewed “income annuity owners to provide insight into the emotional impact of guaranteed income. They found that annuity owners have a greater level of confidence, feel the freedom to spend and invest and feel more certain in leaving a legacy. Using an income annuity supports higher success rates in retirement. Retirement outcomes when the combination approach is used are very attractive when compared to investments-only, both in terms of supporting a spending goal and a greater legacy value

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Grumps and Complainers

May 19, 2019

This week’s article out of London begins by telling us that in that city, known for “grumps and complainers”, a new study reveals that retirees with a guaranteed lifetime income stream can find true happiness.” This study related to Britain’s first-ever national happiness survey, but seems to convey a universal message, “the main one being the importance of guaranteed income in retirement.” Call us if this message resonates with you. We may have some options to consider, and are always here to help. Click Here to Read Full Article

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What is your RISE Score?

May 13, 2019

Did you know that there is a Retirement Income Security Evaluation Score (RISE Score™) much like a credit score on a zero to 850 scale, but for your retirement. “The purpose is to provide you with an estimated measure of income security to help you determine whether you’re on track with your current retirement income plans.” “The RISE Score is also designed to help answer this simple question: How can my retirement security potentially be improved through the addition of lifetime income solutions in my retirement planning strategy?” Call us if you are looking for additional lifetime income. We know

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LOOKING BACK ON RETIREMENT PREPARATIONS

May 6, 2019

Sometimes hindsight can provide a valuable lesson. While retirement is highly personal, I thought you might find it interesting to read the result of a study that looked back on what the financial preparations for retirement looked like. The study showed that among retirees who saved for retirement, the median age they first started saving was at age 40, and forty-six percent of those that participated in the study did not have a retirement strategy. We know how hard it is to save for retirement. Call us, we can offer out some options of where you can put your hard

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Robert S Messina, an Investment Advisory Representative (IAR), offers advisory services through Gibbs Wealth Management, an SEC registered investment advisor. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.Financial Insurance Solutions Inc. and  Gibbs Wealth Management are independent of each other. Insurance products and services are not offered through GWM but are offered and sold independently by,  FRG Insurance Solutions Inc, CA Insurance Agency #OK21118, and Robert S. Messina, CA Insurance License #0E88665.

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