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Don’t Let That Retirement Dream Home Turn Into a Nightmare

Americans dream for years of buying or building a retirement “dream home.” Many want their new homes in warm weather climates like Florida or Arizona. According to The 25 top places to retire in America, a Time Magazine analysis of Census records, of the 3.3 million Americans 50 and over who were no longer working…

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Retiring Early? Don’t make these mistakes

Everyone’s dream is to retire early. But, for most of us, it’s not in the cards to retire in our 30s or 40s. According to U.S. Census Bureau Current Population Survey, the average retirement age for men is 65, and for women, 62. But, some can reasonably aim for retirement in their late 50s or…

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Staying Active in Retirement

There are many mistakes you can make as you prepare to enter retirement. That’s one reason many people suggest you sit down with a professional before you retire. But one thing people often overlook when they leave their jobs is that they are walking away from their existing network of friends and colleagues without considering…

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Latest News

Coming Up Short for Retirement

Year-end Retirement Savings Tips

Protecting Pre-Retirees and Retirees from Scams

Five Things Retirees May Forget to Plan For

Why Selling Fixed Annuities for a Cash Lump Sum May Not be a Good Choice

How to Prepare for Spikes in Prescription Drug Prices During Retirement

Using Immediate Annuities to Guarantee Retirement Income While Delaying Social Security Benefits

How a Fixed-Indexed Annuity Interest Rate Is Determined, and the Limits and Restrictions to Know

Purchasing a Fixed, Deferred Annuity in an IRA Can Help You Manage RMDs in Retirement

How Much of Your Retirement Savings Should Be in a Fixed or Fixed-Indexed Annuity?

Beneficiary of an Annuity? Help Lower Your Tax Burden with a Transfer to a Qualified Retirement Account

Six Great Websites to Help You with Retirement Planning

Defer Taxes on a Lump Sum Payment in Retirement by Funding an Annuity

Borrowing From Your Retirement to Start a Business

Estate Planning With Deferred Annuities in Retirement: Reducing Your Beneficiary’s Tax Burden

Funding Unexpected Healthcare Costs in Retirement With an Immediate Long-Term Care Annuity

What Is Your Immediate Annuity Exclusion Ratio and How Can It Impact Your Retirement Tax Burden?

Retirement Planning Through Life’s Stages

Understanding Annuity Riders: Should You Consider Including Them In Your Retirement Strategy?

What the 2016 Federal Reserve Bond Interest Rates May Mean for Fixed Annuities in the Long Term

The Pros and Cons of Accepting the Lump Sum Payment of an Annuity Buyout Offer

Financial Planner Designations and Annuity Licenses: Is Your Retirement Professional Qualified?

Claiming Strategies for Social Security, and Resources to Consider

Joint Life Annuity Explained: When Could a Single Life Annuity Be the Better Choice for Married Retirees?

How the Difference Between a Captive and Independent Insurance Agent Affects Your Retirement Plan

Need Out of Your Annuity Contract? What Retirees Should Know About Surrender Periods and Charges

Before You Do Any Retirement Planning, You Must First Do a Budget

Addressing the Bipartisan Budget Act of 2015 Pension Changes With Supplemental Retirement Annuities

Retirement Risks: Handling the Unexpected Cost of Mental Health Treatment

How the 2016 Fiduciary Rule Could Affect How You Pay for Retirement Advice

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Biggest Mistakes People Make Getting Ready for Retirement

It’s always good to learn from your mistakes. But, it might be even better to learn from other peoples’ mistakes. With that in mind, let’s talk about some of the big mistakes people make when it comes to preparing for retirement. (We’re going to skip over some of the more obvious ones, like not saving…

Three Retirement Tips for the New Year

As we get further into the new year, our thoughts need to be on more than just last year’s taxes. We should also be thinking about what we need to do to make our retirement the best it can be – whether we’re already retired or getting ready for the big event. As I say…

One year before retirement: Here’s seven things you can start right now

It doesn’t take a financial planner to tell you this: Any successful retirement these days starts with a plan. The more planning you do, the more likely it is that you will see a successful retirement. That said, many people may still enter retirement without confidence in their plans. With that in mind, people may…

Nov 29, 2017

Is it ever to early to start teaching your children about finances

There a growing call for improved financial literacy among young Americans, as Millennials face a growing financial crisis prompted by overwhelming student debt. “The level of financial literacy is low in the U.S. and consumers are paying the price,” according to a recent report by Mintel, an international market research company. “The ramifications of this…

When the kids come back home (Don’t let them wreck your retirement)

The stories have been all over the news for some time now. Burdened by crippling student loan debt, Millennials are returning home to live with their parents. According to a Pew Research Center report, for the first time in modern history, more 18-to-34-year-olds are living with their parents than those living single, with a partner…

Retirement approaching and you haven’t saved enough? Your options are limited

Americans’ habit of spending and not saving is about to catch up with them. We’re still operating as if we were our parents, who worked their entire lives for a company who then provided them with a pension for life, as well as health insurance and other retiree benefits. Those days are long gone. Very…

Sep 20, 2017

That Talk You Need to Have With Your Children Before You Retire

  Finally, It’s that time. You’re ready to clock out of that old 9-to-5 after all those years. You’re one of the  lucky ones, old enough to have both a pension and 401(k). The kids have all graduated college and are out of the house. You still have a car note, but you and your…

Is it Smart to Borrow From Your 401(k)

According to the National Bureau of Economic Research, in 2015, 20 percent of Americans have an  outstanding loan balance on their 401(k) and 37 percent have had loans in the past five years. Ten percent of those borrowers defaulted and a whopping 86 percent of borrowers left their company with an outstanding balance, according to…

Emergency Budget

There are many Americans who are not saving and, for these people, even a small unexpected expense will likely cause a financial setback. A survey of 1,000 Americans by Bankrate said nearly 60 percent of Americans would not be able to pay an unexpected emergency expense from their savings. Forty-five percent of those surveyed said…

Planning for Health Care expenses in Retirement

What’s the best way to wreck your retirement budget? How about unexpected medical expenses? Ask any financial planner and, he or she will likely say that most couples are not prepared for the financial disruption that could come with an expected or catastrophic illness. Twenty-eight percent of Americans said their greatest fear in retirement is…