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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What is an Indexed Annuity?

This week’s article provides an easy answer to the question ‘What is an Indexed Annuity?’ “An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. It differs from fixed annuities, which pay a fixed rate of interest, and variable annuities, which base their interest rate on a portfolio of securities chosen by the annuity owner. Indexed annuities are sometimes referred to as equity-indexed or fixed-indexed annuities.” If you are interested in learning more or have any questions, call us. We’re always here

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Saving for retirement

A Simple cure for that risk

This week’s article tells us “experts want you to start saving as soon as possible, no matter what amount you can afford to put away.” The first goal is to simply get into the habit of saving for the future because the future comes sooner than you think, and “the second is to take advantage of as many compounding returns as you can: The longer your money is invested in the market—even if it’s a smaller amount—the longer it has to grow and generate increasingly larger returns.” The article also tells us “this turns most of us into market watchers.

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financial terms

Help with financial terms

Have you ever found yourself in the middle of a conversation with a financial professional and realized you have no understanding of the meaning of the words he is using? We try to keep things simple around our office and go to great lengths to make sure that you understand what we are speaking about, but that doesn’t mean that others you may be dealing with in the financial community do the same. So I thought to share with you a dictionary of terms that you can keep on hand should you ever need them. (Thank you to the Insured

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