Rethinking Retirement Savings

We came across an article written in the Harvard Law Review and thought to share it with you all. This article discusses rethinking retirement savings and puts into context how much money we have in retirement accounts ($35 trillion collectively!), where it comes from, and what ‘buckets’ exist that provide any economic security for American workers facing retirement. Take a look and let us know what you think. We’re here to help you find safe (rather than risky) places to put your savings for retirement. That’s always been our priority. Give us a call and we’ll help you plan a

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Starting to Worry Again?

Are you holding your breath starting to worry about the market again? Fortunately, you can build a diversified portfolio with principal protection. Our team at Financial Resources Group can assist you in building your portfolio in a way that distributes risk and prepares your retirement savings for growth in a variety of economic environments. If you include Fixed Index Annuities in your plan, it’s possible to guarantee income over a period of time…even over a lifetime. FIA Insights tells us, “unlike a 401(k), with an FIA, the insurance company absorbs the risk of market downturns, guaranteeing a minimum floor, and

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The New ‘Life-Is-Short’ Mindset

This week’s article explains how affluent Americans are rushing to retire sooner than they had originally planned due to the new ‘Life-Is-Short’ mindset, a product of the pandemic. Even if we now have the ‘Life-Is-Short’ mindset, Americans are still living longer and will need income during retirement that won’t be outlived. Regardless of whether you think of yourself as affluent or not, there are options that will help you feel more comfortable with your retirement strategies. Call us at 949-955-3755 to talk about which retirement strategies are best for your plan. You have options. Read the full article about Americans

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Is Your Social Security Check Going to be Enough For You?

Whether you’re recently retired, nearing retirement, or a few years in, an annuity can help build tax-deferred savings. Why is that important? Annuities can provide a guaranteed lifetime income to supplement your social security. According to a Gallup poll, 85% of investors “strongly agree that it’s important to have a guaranteed income stream in retirement to supplement Social Security” and 61% strongly or somewhat agree they are willing to give up access to some money in order to provide for a guaranteed retirement income stream.” If you’re nervous that your social security check won’t be enough for you during retirement,

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Benefits of Fixed Indexed Annuities

As a reminder when you are considering where you can place your hard-earned savings to generate a guaranteed income, remember that FIAs are insurance products that can guarantee income over a period of time — even over a lifetime. Unlike a 401(k), the insurance company absorbs the risk of market downturns, guaranteeing a minimum floor, and protecting contract holders from market losses. In other words, an FIA offers the potential for interest, based in part on the performance of an external index without the risk of market loss. Your principal amount is guaranteed, subject to any withdrawals you take or

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