WHAT IF THE MARKET GOES UP?

The author of this week’s article provides an explanation for “Why an FIA is better than stocks” and asks us “Which is better? Having to time the market right or not having to worry about that? Risking principal to achieve gains or achieving gains without risking principal? Having to worry about which stocks, bonds or funds to sell, or not having to worry about that? For many, the advantages of an FIA become overtly attractive.” Take a look at what he says and call us if you’d like to know more about the FIA. We’re always here to help.

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AFTER A VOLATILE END TO 2018

“Wary investors may be searching for stability in 2019.” So what should people consider? The author of this week’s article states that “Risk tolerance and time horizon play big roles in deciding how to allocate your investments. Conservative investors or those near retirement may be more comfortable allocating a larger percentage of their portfolios to less-risky investments to minimize risk. These are also great for people saving for short term (about five years or fewer) or intermediate (around a decade) goals.” We prefer products that minimize risk. Call us if you feel the same way. We’re always here to help.

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TOP TWO REASONS

This week’s article discusses a new retirement institute study of annuity owners which found “the top two reasons consumers buy annuities are to supplement Social Security/pension income and to receive guaranteed income payments for life.” If you are looking for this type of income during your retirement call us, we’re always here to help.

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JOIN THE CLUB

This week’s article caught my eye at the outset when it stated “In case you didn’t know, there is such a thing as a lifetime income club. Of course, it goes by another name: annuities.” The author of the article, the Chief Academic Officer of The American College of Financial Services tells us “To an economist, an annuity is the most sensible way to provide safe income in retirement.” Call us if you are looking for this kind of safe income in retirement. We’re always here to help.

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THE BIG SURPRISE

Have you ever thought about why people haven’t saved more for their retirement? “Financial shocks leave a mark on financial outcomes such as your ability to retire,” said one of the authors of RAND’s study on savings regrets. “The shocks can be quite serious and set people back, in some cases, for the rest of their life.” Do you need help regrouping from a “surprise”? Call us, we may be able to offer you some options you have not considered. We’re always here to help.

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GOALS

With the New Year, we often reflect on goals and resolutions. This week’s article tells us “Surveys of retirement-age baby boomers indicate they no longer seek high growth in their portfolios. Instead, they express a desire for guaranteed lifetime income, safety of principal, and related qualities. Annuities meet those goals”. If these are your goals in this New Year, give us a call. We’re always here to help you achieve them.

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ROLE IN RETIREMENT PLANNING

This week’s article tells us that “Annuities play an important role in retirement planning by helping individuals guard against outliving their assets. In the most general sense, an annuity is an agreement for an entity (generally a life insurance company) to pay another entity a series of payments. While there are many types of annuities, key features can include tax savings, protection from creditors, investment options, lifetime income and benefits to heirs.” If these are some of the features you are looking for in your retirement planning, call us. We’re always here to help.

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A COMPLEMENT

“An annuity serves as a complement to other retirement income sources, such as Social Security and pension plans.” One of the reasons is because “all the money you invest compounds year after year without any tax bill from Uncle Sam. That ability to keep every dollar invested working for you can be a big advantage over taxable investments. When you cash out, you can choose to take a lump-sum payment from your annuity, but many retirees prefer to set up guaranteed payments for a specific length of time or the rest of your life, providing a steady stream of income.” If you think that this might help you in your retirement planning, let us know. We’re always here to help.

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FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS
It is always important to “get the answers you need to help calculate your path to retirement.” This week’s article goes a long way toward helping you navigate the way by providing information about frequently asked questions you may have about an option you are considering. Learning more about your choices is good, so call us if there is anything you’d like to discuss. We’re always here to help.

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ONE SOLUTION TO THIS PROBLEM

Did you know that “recent studies put the “retirement income gap,” the difference between the amount of money retirees have saved and what they need to maintain their standard of living in retirement, at $7.7 trillion. In addition, retirement savings are subject to market volatility, interest rate fluctuations, longevity risk and escalating retiree health-care expenses. One solution to this problem is a product that economists agree to be one of the only providers of guaranteed income outside of Social Security and pensions — annuities.” Call us if you’d like to know more about this option for guaranteed income. We’re always here to help.

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