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    Retirement Rollover Strategies

    If you change jobs or retire, you might find yourself having to rollover your retirement plan. A tax-deferred rollover is the best way to move money from one retirement account to another when done correctly. If not done correctly, you could wind up paying tax penalties. Consider the following four retirement rollover strategies that will help…

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    Dept of Labor Implements New Fiduciary Rule

    The new Department of Labor (DOL) fiduciary rule came into effect on June 9, 2017. This rule requires that brokers must put their clients’ interests first when offering advice regarding retirement savings accounts. This new rule won’t be enforced until after January 1, 2018, when requirements regarding disclosures and new contracts are currently expected to…

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    Long Term Care Annuities vs Insurance

    A long term care annuity (LTCA) provides long term care protection for costs that are not covered by your health insurance policy. The benefits provided are based on the premium dollars you have paid into your annuity. The larger your premium, the greater your coverage for long term care. Typically, your coverage level with an…

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    Private Financing Long Term Care

    No one wants to think about requiring long-term care during his or her golden years. Adding to the subject’s lack of appeal is the fact that it’s expensive. Today, with longer life expectancies, you need to have a strategy to pay for this care if you and/or your spouse need it, especially when Medicare isn’t…

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    3 Different Annuity Strategies

    As part of your diverse portfolio, an annuity can help you accomplish financial goals such as saving for retirement or protecting your assets. Consider these three different annuity strategies. Fixed Deferred Annuity vs. Certificate of Deposit Both of these investments are considered low-risk. A CD is typically used for short-term accumulation of savings. A fixed deferred…

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    Can Annuities Lose Money?

    Every investment involves some level of risk and annuities are no different. An annuity is an insurance contract used to provide a source of income during your retirement. Depending on how your contract is structured, you might fund it with a one-time lump sum or with scheduled contributions over time. Fixed versus Variable If you are concerned…

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    Annuities and Estate Planning

    Annuities can play a part of your estate planning strategy. However, because they are a life insurance product, there are things you should know about their tax and inheritance implications. Joint Ownership Annuities With a jointly owned annuity, the phase you are in within the annuity will dictate what steps you should take in the event…

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    Bad Reasons to Say No to Annuities

    Annuities aren’t for everyone, but before deciding that one isn’t right for you, you should determine whether your reasons are of sound mind. Consider some bad reasons why some people decide to exclude annuities from their retirement planning. Facing Your Own Mortality The thought of annuities might make you upset because it forces you to consider…

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    Tips You Should Know About Annuities

    When you’re planning for your retirement, you want to make sure that you’re going to be guaranteed an income stream once you retire. An annuity can help you accomplish that guaranteed stream of income. If you are considering purchasing an annuity, here are some tips you should be familiar with: An annuity is a financial…

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    3 Retirement Planning Predictions for 2017

    If you have concerns about whether you’re on the right track for your retirement planning, you aren’t alone. An uncertain economy and recent changes in government policies are causing many to wonder if their plans for saving for a comfortable retirement will be derailed. Consider these three predictions that could affect retirement planning in 2017:…

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