Protect Your Retirement: Insurance and Annuities

It remains the single most motivating factor for almost all investment decisions; yet many people are completely misled as to how Rate of Return really works.

An emerging and fast-growing contract design--the indexed universal life (IUL) policy--may come very close to being the ideal contract for most consumers in today’s interest and overall market environment.

Most financial advisors tend to emphasize growth and rate of return, but they seldom discuss the benefits of having a zero return in certain years.

Our roads to retirement are just as unique as we are.  We all need to plan for the eventuality of retirement.

As a result of Wall Street propaganda and doublespeak, the investing public is at a huge disadvantage when navigating the markets.

In twelve years we have seen market draw downs of more than 50% two times, and we all know that when an investor loses 50% of the money it takes a 100% return to make up the loss!

Few people know where to find opportunity & safety at the same time & on the same dollar. This is exactly what a Fixed Indexed Annuity does!

Are you an American investor who is tired of the uncertainties and corruption on Wall Street?

In November 2007, “Bill” is getting ready to retire. After a severe downturn in his portfolio in 2000, 2001, and 2002, Bill has finally recovered most losses.

For a professional such as a doctor, attorney or CPA, the Indexed Universal Life policy is perfect for your retirement needs. 

The life insurance industry has the best IRS-approved retirement savings plan today—and most investors know nothing about it.

Several surveys have found that the greatest fear for 70% of Americans is the possibility of outliving their income.

You have just turned 70 years old. You have been contributing to your 401K retirement plan since 2000, when you started thinking seriously about your financial future.

I have spent 14 years in the financial services industry in various capacities, and if I have learned one thing in that time, it’s that you shouldn’t put all your eggs in one basket.

Okay – you’ve never had a financial advisor before.  But things are a little different now.  

With an ever-changing market, countries going into default, and credit as our parents knew it unrecognizable in today’s world, traditional investment advice just doesn’t allow people to enjoy their maximum retirement income.

It’s all over the television, the web, and in print: financial vehicles, promoting guaranteed lifetime retirement income, so you don’t “run out of money before you run out of life.” With a market that really hasn’t made any concrete gains since 2000, the timing couldn’t be better. These products are gaining widespread approval with baby boomers.

If you are retired or may soon retire, the preservation and protection of your retirement savings is critical.

The U.S. insurance industry is fighting to get equitable news coverage in a market where securities are king. Here’s what you need to know about the media, so that we can change it.

How do you know you can trust that company to manage your money carefully and treat you right on rates? More importantly, how do you know that company will be around for the next 10, 20 or even 30 years? Good questions: life insurance is indeed a long term, long distance relationship.

While the most recent market turmoil continues, keeping all of your retirement money in the market can elicit unnecessary feelings of uncertainty, hopelessness, and despair.  

Today’s Baby Boomers have their work cut out for them. They’re wrestling with how to deal with their retirement money. As husband and wife, they may have different risk tolerances. Perhaps she’s a little more conservative with their money, while he is willing to spend more and take a few more risks.  

Here are eight ways to keep your nest egg.

Despite an uncertain job market, executives seem to be somewhat transient between companies. For a company to sustain growth, budget, and reputation, keeping their executives or key employees is imperative.

My financial advice for the day? Always tell the stories. They are sure to outlive any disposable dollar sign.

Most investors look for low-risk options in order to increase their rate of return and stretch those retirement dollars. Very few individuals, however, have taken advantage of two of the least risky and simple ways to make it happen.

When my clients approach me in preparation for retirement, they are interested in the idea of guaranteed retirement, but don’t exactly know how to make it happen. Honestly, I could give them all the financial advice in the world, but if they don’t have the correct legal documents in order, they could lose everything they’ve put away.

While Americans look for ways to save on tax burdens, there are certain vehicles that allow for significant tax savings.

Okay, enough already.  When will this crazy stock market show us a little love and give us a break from this insane volatility?  I mean, seriously, these days the stock market has more gyrations than an Elvis impersonator at a cheap Vegas hotel. 

His once-Golden Future is strapped into a Wall Street rollercoaster, uncertain about the inflation factor, tax rates and his rising healthcare costs.

Retirement planning has often been referred to as a “puzzle”, a “maze” and even a “gauntlet”.