Review the basics

Refresher

We try to educate our clients on annuities. Sometimes, it’s a good idea to review the basics. Click here to visit our annuities page. We’ve outlined information such as the different types of annuities, the nature of the underlying investment, the primary purpose of an annuity, the nature of the payout commitment, the tax status and the premium payment. It’s important to stay educated on annuities if you’re considering purchasing one. You can also reach out to us so we can discuss them with you and answer your questions. 

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risks

Biggest Risks To your Retirement

What can be done to reduce those risks? You’ve been saving for years and have finally retired. There are so many world events going on, both domestically and abroad, that the only constant now seems to be change. The news is full of commentaries about market declines and inflation but we can provide you with the facts. We could help you understand how to manage your risks in retirement. Sometimes, it is as simple as sticking with quality financial products that have proven track records and assurance that you can count on. Give us a call to discuss your retirement

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retirement goals road map

Retirement Road Map

Take the first step to protect yourself. The pandemic has created a lot of unexpected events, has impacted the markets, and has caused each of us to adapt to the changes. Now is a good time to review how your needs may have changed and what you’ll need to adjust in the future. To get started, ask yourself if your retirement goals remain the same or if they’ve changed. Then outline where you are today. Depending on your life stages and retirement goals, you may need to account for additional risks you didn’t need to factor in before. Call us

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We Have An Idea

This week’s article includes 4 ways for us to prepare and save enough to retire in 10 years. But we have the 5th idea, not mentioned in this article! As you accumulate savings meant to carry you through retirement (alongside your social security), we suggest putting some or all of those savings into a place where your principal is protected…A place where your principal is guaranteed to not go down if the market does and where you know that you will still receive a guaranteed income for your lifetime. If you let us know how much income you are hoping

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Eliminate the Guesswork

A survey released in 2019 found that 46% of Americans are guessing at how much money they need for retirement. With increasing life expectancies and financial uncertainties, guesswork is playing a big part in determining whether Americans have enough saved to make the decision to stop working and cross over to retirement. Our office can help you eliminate that guesswork by introducing you to a product that provides a guaranteed income you can’t outlive without having to worry about it decreasing when the market goes down. Call us so we can tell you all about it: 949-955-3755. We’re always here

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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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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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Limited Time Only Bonus

Did you hear? A major insurance carrier is offering a larger than ever BONUS on one of its products. It’s too good, and only offered for a limited time! Call us so we can provide you with all of the updated information. 949-955-3755 READ FULL ARTICLE

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