TERMS

From time to time it is a good idea to review the meaning of terms used when we discuss products that may help you plan your retirement strategies. This week’s article does just that, and provides us with a clear glossary of annuity product terms. Call us as you plan your retirement as we may have some options you have not yet considered, that can provide an income you can’t outlive. We’re always here to help.

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PROTECTION FOR YOUR EGG

This week’s article tells us that FIAs protect your nest egg. “Nearly 90 percent of Americans lack confidence in their retirement savings (IALC data, October 2017). FIAs provide peace of mind and minimum guarantees. With FIAs, your principal is protected from market loss and will never decline in value, as long as you continue through the length of your contract.” If this type of product is of interest to you for your retirement planning, give us a call. We are always here to

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HEDGING AGAINST SOMETHING BAD

This week’s article spoke about annuities offering “a hedge against something bad happening to your money, like a huge loss in a stock market collapse. Instead of personally managing your money and assuming risks inherent in stocks and mutual funds, you buy an annuity that guarantees a steady money income for decades or even a lifetime.” If you are interested in learning more about this kind of a product and understanding if it fits in your retirement planning give us a call. We’re always here to help.

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FUEL FOR RETIREMENT

We read an article the other day from a library of information we have access to and thought it would interest you to know that it discussed “higher interest rates, of course, mean higher payout rates on annuities.” We like fixed annuities because they can provide an income you can’t outlive, something that is fuel for retirement when longevity is on the rise. Call us if you are interested in exploring options like this. We’re always here to help.

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BALANCE

When you think about the things that fill your life what are you goals? Most people will say that a work-life balance is important. When you think about retirement, do your thoughts also lean toward balance? This week’s article tells us that for most people their goal is “a nice balance between stability, favorite pastimes, and new adventures. Balance is also important in your financial life: between reward and risk, nest egg preservation, and growth.” Since no one knows what the future holds, we have some ideas about what you can consider if you are looking for peace of mind no matter what happens in the financial markets. Call us. We’re always here to help.

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RETIREMENT PLANNING WORKSHEET

With a title like “Sharpen your pencils, let’s work the numbers” I knew you would enjoy being provided with the opportunity to see how ready you are for retirement, and if your numbers add up to what you thought they would in terms of your ideas of where to put your retirement saving so that you will have an income you won’t outlive. Did you fall short? Are you disappointed in what your worksheet revealed? Call us, we may have some ideas you haven’t thought of. We’re always here to help.

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DIFFERENCES

Did you know that your readiness for retirement may vary depending on your occupation? This week’s article sets out a “Retirement-Readiness Score by Industry” and provides information to understand the differences and surprising similarities across the occupations. Call us if you would like to improve your readiness score. We may have some ideas you have not thought about. We’re always here to help

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BASICS AND BALANCE

This week’s article “Fixed Indexed Annuities 101” made me smile because it brought back memories of my younger days in school, and I was reminded that even as we grow older, especially when planning for our retirement, it is sometimes best to go back to basics. The first basic question is “When you think about retirement, what are your goals?” For most people it involves a balance between stability, favorite pastimes and new adventures. There is a lot to be said about balance, especially when no one knows what the future holds. “Balance is also important in your financial life: between reward and risk, nest egg preservation and growth.” Call us if you would like some ideas on how to achieve these goals as you look into the future. We’re always here to help.

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BASICS AND BALANCE

This week’s article “Fixed Indexed Annuities 101” made me smile because it brought back memories of my younger days in school, and I was reminded that even as we grow older, especially when planning for our retirement, it is sometimes best to go back to basics. The first basic question is “When you think about retirement, what are your goals?” For most people it involves a balance between stability, favorite pastimes and new adventures. There is a lot to be said about balance, especially when no one knows what the future holds. “Balance is also important in your financial life: between reward and risk, nest egg preservation and growth.” Call us if you would like some ideas on how to achieve these goals as you look into the future. We’re always here to help.

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SOCIAL SECURITY EARLIER?

The article I thought to share with you this week tells us that ” If you will celebrate your 62nd birthday in 2017 or soon after, you’re in the vanguard of a big change in Social Security: Starting with people hitting that milestone in January, the full retirement age (FRA)—that is, when you can collect your entire earned benefit—will creep up from 66 to 67 in two-month increments over the next six years.” What is interesting is that as the FRA goes up, for every age along that line, you receive a smaller benefit then you would have before. The question being asked is should you collect sooner or wait? And what do you do to supplement that smaller benefit when you are no longer employed? Call us, we’re always here to help walk you through the choices.

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