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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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    How to Choose Between IRA and 401K

    It’s always a good idea to put money in both an IRA and an employer-matched 401(k) for your retirement. The IRS allows you a maximum contribution of $5,500 yearly, and if you’re over 50, you are allowed to contribute an additional $1,000. Keep in mind that if you have both a Roth and a traditional…

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    How Do Annuities Work & What is Their Purpose?

    An annuity is a good way to ensure that you won’t outlive your retirement income. They were created to reduce this risk, also known as superannuation. As an annuity beneficiary, you’re guaranteed to receive a certain minimum amount of income, paid out on a set schedule, until you die. This is even if this amount…

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    Finding the Right Investment Manager

    One of the most important and difficult tasks regarding your financial future is finding the right investment manager. Several factors go into choosing the right investment manager who will provide individualized attention, mitigate risks and align their incentives with your financial goals. What Type of Investment Professional Do Your Need? You will want to choose…

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    Millenials and 401k Planning

    Millennials entering the workforce today are very unlikely to ever see a traditional pension as part of a benefits package. Today, young workers need to focus on different ways to save money for retirement, including 401(k) plans that are adopting pension-like features. The good news is the number of workers enrolling in a 401(k) plan…

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