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A SIMPLE WAY

This week’s article discusses how most people crave guaranteed income in retirement. In fact “six in 10 people ages 55 and older place a value on having guaranteed income to supplement what they’ll get from social security”. Survey responders in the article said the “benefits of extra assured income include protection against outliving your savings, peace of mind and greater assurance you’ll be able to maintain your lifestyle in retirement.” Call us if this interests you. We are always here to help, and make the complicated easier to understand.

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RETIREMENT COMMUNITY RETIREMENT INCOME

We often think of retirement communities as providing us only with housing and perhaps a few amenities. This past week I came across one that offered out an analysis on Annuities. The reason being that many seniors who have retired are looking for income they can’t out live, and that is one feature of a Fixed Indexed Annuity. “In today’s volatile climate, investments seem to be wading in uncertain waters. Even one-time solid choices like blue-chip stocks are swimming in rough seas. Because of this, investors sometimes examine a myriad of possibilities to secure or help their money grow.” While the market may go up and down, what does seem to be a certainty is a retirees desire to know, and to know for sure, that they have enough money coming in. Call us if you’d like to discuss some options that may help get you to a point of enjoying the days to come and not worrying. We’re always here to help.

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FINANCIAL CERTAINTY IS POSSIBLE

In a new article published by Forbes, an author writes how “removing some uncertainty surrounding retirement is indeed an obtainable goal all Americans can strive to achieve.” I’ve provided a link to the article as I thought you might be interested in the three simple steps that the author shares to help “increase your financial knowledge and confidence” and to help you “prepare for a post-work world.” Call us if you have any questions about these simple steps, we’re always here to help.

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AT WHAT AGE?

I liked this week’s article because it answered the question “At what age should you purchase an indexed annuity?” The author tells us that “the great thing about fixed indexed annuities is that they are a reliable retirement planning vehicle appropriate for people in a variety of life stages.” Call us if you would like to see how they might fit into your planning, we’re always happy to help.

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PLAYING A GAME

I saw an article this past week which spoke about a new interactive game called “Master of Retirement” and thought to share it with you. Surveys power the game’s questions and offer out informative responses. One question asked in the game is “What is a reason some people choose a fixed indexed annuity? The choices were a) Missing a steady paycheck and income for life; b) Having the principal protected against volatile markets; c) Helping to moderate risk in a financial plan; and d) All of the above.” It was not surprising to read in the answer that “While half of Americans say they will miss receiving a steady paycheck in retirement the most, moderating risk in a financial plan and protecting the principal are also top of mind. Fixed indexed annuities can provide a guaranteed lifetime income stream, while offering balance and minimizing risk in your retirement plan.” Feel free to call us after you’ve played the interactive game should you have any questions you need help answering. We are always here to help.

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MORE LIFETIME INCOME

This week’s article discusses how “recent research by retirement income expert and former U.S. Treasury Department official Mark Warshawsky shows that immediate annuities generally provide you with more lifetime income than you could get by following the take-out-4-percent-of-savings-a-year rule or a similar strategy of systematic withdrawals”. It was interesting to read why. If you are thinking that you need more guaranteed income than Social Security alone will provide, call us to discuss some options you may not have considered. We’re always here to help.

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HISTORY

Did you know that the “concept of annuities dates to ancient Rome, but the first record of annuities in America comes from the Colonial period. In 1759, a company formed to provide a secure retirement for aging Presbyterian ministers and their families. In 1812, the Pennsylvania Company for Insurance on Lives and Granting Annuities received a charter to sell annuities to the public.” I found this week’s article interesting and thought to share this historical information with you because often times we don’t appreciate the longevity of a product that helps enhance our financial wherewithal as our own longevity increases. Call us if you are interested in learning more. We’re always here to help.

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SHOULD YOU TAKE A LUMP SUM FOR RETIREMENT?

This week’s article caught my eye when it said “It turns out, many retirees choosing to take their employer’s 401(k) or pension as a lump sum for retirement are taking their lumps.” A survey reported in the article stated that about a fifth of retirement plan participants surveyed “who received their pensions as a lump sum depleted that money in just 5 ½ years”. The reason is apparently what they call the “lottery affect”, where retirees “get more money than they’ve ever seen in their life and say “Wow! I can do something I never could when I was working!”. Call us if you are faced with this situation. We can help you start to think about your retirement plan “not as a pot of gold, but as money that has to last as long as you do in retirement.” We are always here to help.

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A SLAM DUNK

I read a good Consumer Reports article the other day that discussed when there isn’t enough saved to meet a retirees expectations in retirement. The article states “Fortunately, there are a number of options for generating extra income without asking undue risks,” and referenced that “to generate guaranteed income in retirement, annuities are a slam dunk.” It is often that opportunity for income without undue risk that retirees are searching for. If you would like to learn more about this option, give us a call. We are always here to help.

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FACTS + STATISTICS

A Government Accountability Office (GAO) report referenced in this week’s article “highlights the role annuities can play in helping people secure enough income during retirement.” With so many of us searching for additional sources of income that we can’t outlive, annuities frequently come up as an option to consider. Call us if you would like to talk about how they may fit into planning for your retirement. We’re always here to help.

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FEATURED ARTICLES

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Educate Yourself

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Understand the Basics

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Who's who in a Fixed Index Annuity

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Understand the Benefits

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Five

Tax Deferral

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Indexed Interest Potential

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Protection Benefits

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