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Equity Growth and Asset Protection
January 21, 2021The author offers an introduction to how annuities can help. For investors, the last twenty years have been something of a roller coaster. The [...]
Top 10 Retirement Tips For 2021
January 14, 2021For many Americans, retirement may look different in 2021 than it has in years past. The severe economic impact of the Covid-19 pandemic could push [...]
How retirement planning needs to change in the new year
January 7, 2021Considering annuities, insurance, new investments and delaying Social Security? With all the changes 2020 brought and a new year around the corner, [...]
5 Things You Need to Know About Finances When Turning 65
December 31, 2020It's a pivotal age for retirement planning — even if you aren't ready to retire yet Gone are the days when most people retired at 65, received a [...]
2020 Year End Review of Recent Retirement Plan Changes
December 28, 2020Over the last year, both before and after the current pandemic, there have been multiple law changes that have impacted retirement plans and [...]
The special retirement plan rules of 2020: What you need to know as year comes to end
December 18, 2020The COVID-19 pandemic has upended just about everything this year, including retirement planning. Enough new rules governing Individual Retirement [...]
Marshmallows and Social Security
December 11, 2020Should US retirees delay claiming Social Security until age 70, even if they have to spend savings until then? The Center for Retirement Research at [...]
Benefits of Fixed Indexed Annuities
December 4, 2020Fixed indexed annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime [...]
9 Signs You Are Not Financially OK to Retire
November 25, 2020And one other reason to keep working Being ready to retire means more than being ready to stop waking up at 6:00 a.m. to put in long hours at a job [...]
Durable power of attorney is one of the most important and useful documents you will ever sign. It is also one of the most dangerous if it falls into [...]
Americans Feel Anxious About Their Retirement Savings Amid Pandemic
November 4, 2020Millions of Americans expect their efforts to save for retirement to be derailed, perhaps permanently, by the coronavirus pandemic. That’s the main [...]
5 retirement planning mistakes to avoid during COVID-19
October 28, 2020Don’t let the pandemic derail your plans for retirement These days, older workers and retirees are understandably concerned that their retirement [...]
Section 2202 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, provides for special distribution [...]
Despite uncertainty driven by COVID-19, Americans can look to the long term.
September 17, 2020As the Coronavirus has spread in communities around the country, Americans are becoming increasingly concerned about the impact of the virus on jobs, [...]
COVID-19 and retirement: Impact and policy responses
September 11, 2020COVID-19 has shaken America and the world, causing widespread social and economic upheaval. The most obvious and distressing cost is the tens of [...]
Coronavirus is creating retirement insecurity. These 10 steps can defuse the timebomb of an ageing population
September 3, 2020To redesign a retirement that builds the necessary financial resilience for longer lives, the World Economic Forum and Mercer have created a [...]
Lock It In
August 27, 2020Using Annuities to Cover Basic Living Expenses for Life The names and numbers may vary but the situation is all too common. Approaching retirement at[...]
Given the current economic scenario in the backdrop of the ongoing public health crises globally, investing your hard-earned money in a suitable [...]
Time Claims to Maximize Social Security Benefits
August 13, 2020Know your full retirement age, coordinate the timing of benefit claims with your spouse, and weigh the advantages of delaying your Social Security [...]
Older Adults Can Jumpstart the Covid-19 Economic Recovery
August 7, 2020Even in light of an all-consuming pandemic, there are some mega-trends that continue their powerful and profound impact on global society. One such [...]
How To Maintain Financial Health During COVID-19
July 30, 2020With COVID-19 making headlines around the world, it’s normal to feel uncertain about many aspects of life right now, including your [...]
KEY POINTS The economic downturn prompted by the coronavirus comes at a particularly bad time for older workers. New research takes a [...]
They face particular challenges brought on by Covid-19 — issues, experts say, that could lead to retirement earlier than planned. Dorian Mintzer [...]
Recovery is starting quickly as states reopen, but the journey gets bumpier from here, Kelly and fellow strategist David Lebovitz warn. There is [...]
Now that we’ve entered a bear market for the first time since 2009, many pre-retirees are likely asking questions about the impact on their [...]
My Retirement Plan Is You
June 25, 2020Americans without retirement savings are increasingly moving in with their millennial children. Sian-Pierre Regis, 35, is used to living with [...]
The economic gut punch of the COVID-19 pandemic is being felt by retirees. Even those who have savings and other resources now fear that the financial[...]
Right now, spending habits are changing, for better or worse. With unemployment at an all-time high and many people working from home, your budget [...]
The Washington Post spoke to six Americans who have come to the end of their work lives with no financial cushion, no nest egg. The coronavirus [...]
KEY POINTS About half of Americans retired earlier than they expected, according to a recent survey. Less control over your retirement [...]
As a licensed fiduciary for over 15 years and spending most of that time with retirees, I’ve heard the same desires and concerns repeatedly: They [...]
A Devastating Jobs Report For Older Workers
May 15, 2020“Jobs Friday” is usually a nerdy day for financial types and economists only. But everyone was watching the most recent jobs report. I had a big [...]
After 15 years of research, a psychologist says this ‘simple trick’ can help millennials retire faster
May 7, 2020By the time most of us reach retirement age, we feel as if we don’t have enough money to live the life we envisioned. Our feelings aren’t [...]
3 Ways COVID-19 May Hurt Your Retirement
April 30, 2020Here's how the ongoing crisis could wreck your long-term plans -- and what you can do to prevent that from happening. COVID-19 has turned the U.S. [...]
Concerned about market volatility? Here’s one way to protect your retirement savings.
April 23, 2020Now that we’ve entered a bear market for the first time since 2009, many pre-retirees are likely asking questions about the impact on their [...]
The COVID-19 pandemic could upend retirement planning, jeopardizing financial security for the next generation of retirees. Experience from the [...]
COVID-19 Stimulus Bill: 1 New Rule That Could Help Your Retirement Savings Last Longer
April 13, 2020This lesser-known rule could potentially save you a bundle of cash. Millions of Americans have been directly affected by the coronavirus pandemic, [...]
Here’s Why COVID-19 Is Your Retirement Fire Drill
April 7, 2020Dick has worked as a hospital administrator for 30-plus years. He was planning to retire in a few months. COVID-19 just delayed his plans for many [...]
Here’s Why COVID-19 Is Your Retirement Fire Drill
April 2, 2020Dick has worked as a hospital administrator for 30-plus years. He was planning to retire in a few months. COVID-19 just delayed his plans for many [...]
With all that is going on in the market with the Coronavirus, we have received many requests to give our opinion on how long it will take for a [...]
Everything these days seems to be about coronavirus, coronavirus, coronavirus. Especially when you have a family, these can be scary times. So, first[...]
Safety vs. Probability: Planning For Retirement
March 12, 2020As we progress through life, we find there are certain things we can control and others we cannot. However, even with the things we can’t control, [...]
Taking these steps before you begin claiming can ensure you're receiving as much money as possible. The majority of retirees will depend on their [...]
What Millennials, Gen X & Boomers Have In Common But Don’t Admit, Discuss, Nor Plan For
February 27, 2020Going through her mail, Kendra slices open an envelope from her preferred airline. Inside she finds a hefty gray card with her name etched on it. The [...]
7 Smart Money Moves for 2020
February 20, 2020New federal legislation made sweeping changes in retirement plans. Here's what you need to know. The new year has brought a number of changes in [...]
Is retirement good for health or bad for it?
February 13, 2020For many people, retirement is a key reward for decades of daily work—a time to relax, explore, and have fun unburdened by the daily grind. For [...]
Fixed vs. Fixed Indexed Annuities: What’s the Difference?
February 5, 2020Among the various kinds of annuities, which are contracts you sign with an insurance company to pay a premium for guaranteed income later, two of the[...]
Numbers that older workers and retirees need to know in 2020
January 31, 2020From retirement plans to health care, things are changing A new year and a new decade begin next week. Whether you’re retired or still working, [...]
Six Ways Social Security Will Be Changing In 2020
January 23, 2020Every day, 10,000 or so baby boomers are turning 65. Some of you have probably already retired. Many are likely counting the days until they can [...]
How to Retire in 2020
January 17, 2020WHEN YOU ARE READY TO retire, there are certain basic things you should do before you leave the comfort and security of your old job. You need to[...]
The Difference Between Annuities And Life Insurance
January 9, 2020Both annuities and life insurance should be considered in your long-term financial plan. While both include death benefits, you buy life insurance in [...]
6 Ways The SECURE Act May Impact Your Retirement
January 2, 2020The new Setting Every Community Up For Retirement Enhancement (SECURE) Act, just signed by President Trump, is the broadest piece of retirement [...]
Is A Fixed-Index Annuity Right For You?
December 26, 2019Retirement isn’t what it used to be. Today, not only are people working, traveling and living dynamic lives well past the previous generation’s [...]
Recap: What happened to the retirement landscape in 2019?
December 19, 2019As 2019 comes to an end, it’s worth taking a moment to reflect back on what took place in the retirement landscape during the past 12 months and how[...]
Retirement Plan Contribution Limits Will Increase in 2020
December 12, 2019The Internal Revenue Service announced on Wednesday, November 6, that several contribution limits in qualified retirement plans will increase next [...]
3 Ways You Can Lose Your Social Security Benefits
December 5, 2019You definitely want to avoid these at all costs. Millions of seniors today regard Social Security as a critical source of income. But if you're not[...]
Don’t Just Be Ready; Be Game Ready
November 29, 2019Everyone’s idea of the “perfect retirement” is different. Some of us plan to travel the world, while others hope to move to a new location, [...]
Changing Seasons in Retirement
November 21, 2019The holidays are just around the corner, meaning it’s almost time to prepare for parties, travel, gift-giving and more. But what’s good for the [...]
Is a Fixed Indexed Annuity Right for Me?
November 14, 2019Ensure you have the financial security to be in control of your retirement. Before determining if an FIA is right for your portfolio, [...]
A Retirement Expert Says Annuities Are Better Than Bonds for Guaranteed Income. Here's His Argument
November 12, 2019One of the biggest challenges in retirement is building a reliable stream of monthly income to support you for what could be a very long time. While [...]
U.S. News Unveils the 2020 Best Places to Retire
October 31, 2019Washington, D.C. – U.S. News & World Report, the global authority in rankings and consumer advice, today unveiled the 2020 Best Places [...]
Does your financial plan hold up to scrutiny?
October 25, 2019As National Financial Planning Month, October serves as a good opportunity for an annual check-up on your financial health to ensure you’re on track[...]
8 smart steps for buying life insurance
October 17, 2019How to find coverage that meets your needs and budget Life insurance can form a vital part of your family’s financial stability and well-being but,[...]
Retirement Calculators
October 11, 2019Are you on track for retirement? These customizable calculators will allow you to run different scenarios and discover how small adjustments could [...]
Only 9% of America is Prioritizing Financial Diversity
October 4, 2019Its No Myth, Lack of Diversity Puts Retirement At Risk. What Other Myths Need To Be Busted? There is a retirement crisis in America. 1 in 4 baby [...]
Planning a Generational Impact
September 27, 2019Earlier this month, the United States celebrated Grandparent’s Day, which serves as a reminder to appreciate the hard work and dedication of [...]
Take Charge of Your Future During Self-Improvement Month
September 19, 2019As both Self-Improvement Month and Self-Care Awareness Month, September serves as a strong reminder to take time out of our busy calendars and turn [...]
The Crisis in Retirement Planning
September 13, 2019Corporate America really started to take notice of pensions in the wake of the dot-com crash, in 2000. Interest rates and stock prices both plummeted,[...]
Promoting Women’s Equality in Retirement Planning
September 6, 2019Since 1971, the United States has celebrated Women’s Equality Day on August 26. Although the occasion originally commemorated the passage of the [...]
MAKING THE NEST EGG LAST: BEST PRODUCTS FOR SENIOR CLIENTS
August 28, 2019Entering retirement can be a particularly jarring experience for seniors, and not only because they’re leaving behind the familiar world of [...]
Nearly three in four affluent respondents to an Allianz Life survey said they'd be willing to give up some gains for protection. Second-quarter [...]
August is an exciting time of year. As the start of a new semester approaches, families across the country begin to pull themselves out of vacation [...]
Why healthy clients need to save more for retirement
August 7, 2019Tax-free health savings accounts, Roth IRAs, insurance and annuities can help cover retirees' future health-care costs Here's a counterintuitive [...]
America’s senior citizens have their backs to the wall financially a new study confirms. Professor John Pottow, a law professor at the University of[...]
Financial stress is the number one source of stress for employees, according to a Price Waterhouse Coopers 2019 survey. Financial matters outrank [...]
Annuities: Why You Need To Know How They Work
July 17, 2019You need to know how they work, because many financial planners recommend them to their clients for retirement planning purposes. In fact, one study [...]
Financial Health Checklist
July 10, 2019Retirement is a stage in life that should be looked forward to and celebrated. But to get there, you have to plan accordingly. Like learning a new [...]
5 Things You Need to Know Before You Retire
July 3, 2019Take it from a professor who has spent the last 10 years focusing on the distribution phase of retirement, here are some lessons to live by. As a [...]
What are the different types of annuities?
June 27, 2019Fixed vs. variable annuities In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as [...]
This Annuity Awareness Month, Explore FIAs
June 20, 2019For nearly a decade, the month of June has served as Annuity Awareness Month, a time to help financial professionals and pre-retirees appreciate the [...]
Bill Benson and his wife had planned to fortify their retirement savings once their children left home, so they’d have enough to travel and relax.[...]
This year has been an exciting time for retirement policy: Just over the horizon sit several potential updates to the laws governing how Americans [...]
DES MOINES, Iowa--(BUSINESS WIRE)--The simulations have been run and the numbers have been crunched: annuities help improve retirement outcomes [...]
Lifetime Income Stream Key to Retirement Happiness
May 28, 2019LONDON — In this city known for grumps and complainers, the happiest people are those with a pension and those too young to understand how a pension[...]
10 Myths About Annuities You Shouldn’t Believe
May 15, 2019While annuities have long been a viable retirement option, those new to retirement planning may discover a bit of misinformation about them. If [...]
Droves of retiring baby boomers are driving change in late-life transportation and travel. Health care and technology innovations are helping retirees[...]
10,000 simulations highlight impact of guaranteed income for retirees “If the hard numbers and math don’t convince you, then take it right from[...]
April is Financial Literacy Month and a reminder to examine your personal finance habits. A key element of financial literacy is how well-prepared you[...]
Annuities: Why You Need To Know How They Work
April 16, 2019You need to know how they work, because many financial planners recommend them to their clients for retirement planning purposes. In fact, one study [...]
Two Tax Questions to Ask Yourself About Retirement Planning
April 11, 2019Tax Day is just around the corner, and now is a good time to review your financial habits and goals, particularly as they relate to retirement [...]
Get tips on what to do if you're 10, 5 or 1 year out from retirement. What is your current retirement outlook? If you’re 10 years or less from [...]
While a women-led revolution plays out in the American workplace, the retirement landscape is still evolving. In the second half of the 20th Century,[...]
March celebrates National Consumer Protection Week (NCPW), a time to help people understand their consumer rights and make well-informed decisions [...]
Women’s History Month is a time to look back at the vital role women have played throughout history. In every industry, women are natural leaders [...]
How the New Political Landscape Impacts Retirement
March 6, 2019Last year, our study on the state of America’s workforce showed that over one-third of workers from small businesses say that their employer is [...]
The Difference Between Annuities And Life Insurance
February 28, 2019Both annuities and life insurance should be considered in your long-term financial plan. While both include death benefits, you buy life insurance in [...]
How An Annuity Improves A Retirement Plan
February 21, 2019“Your article on annuities [Does An Annuity Belong In Your Retirement Plan?] did not demonstrate that an annuity always improves a retirement [...]
A crystal ball into the stock market’s performance – wouldn’t that be useful! While predicting market performance to-a-t is not possible, you [...]
The Benefits of Filing Taxes Early
February 7, 2019Tax season has officially started and if you’re an early bird looking ahead to April, you might have already started filing your 2018 taxes. [...]
Looking for Guaranteed Lifetime Income? Join the Club
January 24, 2019In case you didn't know, there is such a thing as a lifetime income club. Of course, it goes by another name: annuities. To an economist, an [...]
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