Category Archives : Uncategorized

THE SECRET

This week’s article that I thought to share with you is called “The Secret to Generating Lifetime Income.” It states that “one solution to help ensure lifetime income is adding a fixed indexed annuity (FIA) to your retirement portfolio. These products can help balance your portfolio and generate guaranteed income for life.” We certainly don’t keep these products a secret, as they are frequently used by retirees to supplement social security income. Call us, we are happy to explain how they work and to discuss if they might be a good option for you to consider. We’re always here to help.

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CAN AN UP MARKET SINK YOUR RETIREMENT?

This week’s article made me think about the old adage “What goes up must come down.” Getting older always seems to involve a race against time, and if you know that you have to live off of your savings in retirement, what do you do if there if there is a decrease in your nest egg when you have run out of time to try to make any losses back? Go back to work? Spend even less than you are now? When things are good it is human nature not to remember the risks, even though they are still there, just not actualized. “Fixed indexed annuities are one of several tools that you can use to limit downside risk. You may want to reassess your strategy to see if you can implement these tools. Investing in retirement or even in the years just before retiring always presents a difficult challenge. On one hand, you need to continue growing your assets so you can fund your lifestyle and fight inflation. On the other hand, you want to avoid significant declines because you may not have time for your investments to rebound. One way to protect against this risk is to use tools that offer upside potential but limit downside risk exposure. For example, fixed indexed annuities give you the ability to earn returns based on market performance without experiencing downside market loss. In a fixed indexed annuity, you earn interest every year. The interest rate is based on the performance of an underlying index, like the S&P 500. If the index performs well, your rate may be higher. If it performs poorly, your rate may be lower. However, these policies always have a guaranteed minimum rate, so you will never lose money even if the index declines in value.” Call us if you want to talk about options that limit your risk exposure. We’re always here to help.

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Sometimes it’s Fun

Sometimes it is fun to take a moment and participate in a quiz about retirement. Answering questions and then comparing our responses to others gives us new opportunities to think about the choices we are making, and how we are planning for the future. This week’s article does just that. Can you answer the retirement questions it poses? Call us when you and done to talk about your plans for the future. We are always here to help.
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STRUGGLING TO SAVE

“Why do you think Americans struggle to save for retirement?” This was one of the questions posed to an retirement expert in this week’s article. His response was “If I told you that people spend more time planning their yearly family vacation than they do planning their nearly 20 years of retirement, would that surprise you?” Perhaps one of the reasons this happens is that we just don’t readily know the perfect answer. How do we accomplish this goal that each year seems harder and harder to attain? Call us, we’re here to help and look forward to speaking with you and to discussing with you options you may not have thought about.

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BACK TO BASICS

Sometimes it is good to go back to basics. That’s why I thought this week’s article might be of interest to you. It explains the basics about what a Fixed Indexed Annuity is, and says that because of the features explained in the article “the value of your money will never decline for as long as it is in the annuity. But it can increase with a rising index, offering growth potential. Once interest is credited, it can never be lost due to interest rate adjustments or negative market fluctuations, and it may even compound. Indexed annuities offer low risk, guaranteed income and protection for market ups and downs.” It is always a good idea to know what your options are. We look forward to helping you feel good about your retirement savings so please call us. We’re here to help.

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RETIREMENT READS

If you’re anything like me, you may not always have time to read an article or book that catches your interest. Because of that, I thought you might like this week’s article as it provides a re-cap of what the author believes are the “5 Best Retirement Reads of 2015”. Take a look and let us know if you have questions on any of the topics covered. We look forward to hearing from you, and we’re always here to help.

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SAVE FOR RETIREMENT WEEK

I thought you would like to read the seven retirement tips outlined in this week’s article. Written in conjunction with “National Save for Retirement Week” they provide simple yet important ideas that may help you plan better for your retirement future; especially when looking for ways to provide income that you won’t outlive. The tips also remind us to “incorporate low-risk options like Fixed Indexed Annuities” which “can provide much-needed balance” to your retirement portfolio. Call us to discuss what options may be available for you. We’re always here to help.

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SMALL WAYS TO SAVE BIG

This week’s article tells us “When it comes to saving for retirement, starting early is key. And while putting money away can seem like a huge and daunting task, it doesn’t always require major lifestyle changes. If you implement changes slowly and in small ways, you may not even realize how much you’re saving.” We agree, and because it does take time to save, we believe in putting some of that money into a place where your principal is protected from market declines. Call us so we can tell you everything about this product. We’re here to help you navigate toward retirement.

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ARE WE ALL STRUGGLING?

This week’s article was interesting to me because it references a retirement survey and the data gathered; and suggests that all age groups are struggling to build a retirement. “Newly released retirement data reflects the changing landscape of retirement, and shows that majority of Americans want alternative retirement savings option.” What I found very interesting were the similarities in the desire to find options that will better enable each group, regardless of the age bracket, to meet their goals. We can help with that because we’re here to help you define your goals, and find some options for attaining them. Call us, we look forward to hearing from you.

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IMPACT ON THE FAMILY

This past week’s news contained articles about the difference in wages earned by men as opposed to women. Not surprisingly, this disparity also has an impact on how women should better prepare for a secure retirement. This planning can have an impact on the entire family. We consider ourselves part of your family. Please call us, we are here to help you feel better about your retirement strategies.

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