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How Can the Covid-19 Pandemic Financially Affect Retirees?

May 27, 2020

The novel coronavirus pandemic has impacted all of us in some way. Almost overnight, the U.S. was hit hard with record unemployment. Many household incomes have been abruptly shut off. Several industries have slowed down to a crawl or else been shut off. Millions of former workers have been forced to dip into their savings accounts in…

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What Does an Annuity Protect the Contract Owner Against?

April 17, 2020

Many people buy annuities for protection. But what kinds of protection can they provide? The answer depends in large part on the kind of annuity you own. At the very least, all annuities can protect you against the financial risk of running out of money in retirement. Annuities counter this hazard by paying you a…

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Your Retirement May See These Major Changes, Thanks to the Coronavirus Economic Relief Bill

March 31, 2020

Recently, Congress passed and President Trump signed into law the “CARES Act.” Among policymakers, the bill is known more formally as the Coronavirus Aid, Relief, and Economic Security Act. Much of the law is aimed at providing economic relief for businesses, but some parts of the act changed IRA and retirement-plan provisions. The bottom-line of…

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How Might the 2020 Presidential Election Affect the Markets? Retirement Investors Weigh In

March 11, 2020

“How is politics going to affect my retirement?” It’s a question that is on many retirement savers’ minds, especially as the 2020 election draws closer. Recently, Global Atlantic Financial Group put out a survey asking people about their thoughts on the presidential election – and what it might mean for market volatility. Many retirement investors…

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How Can Annuities Protect Your Retirement Money Against Market Losses?

March 4, 2020

Sometimes the stock market can go through a rough patch. The market takes a dive, and then the near-term outlook for stocks might not be that rosy. During those times, many people go on the hunt for ways to keep their money safe. For millions of Americans, one answer is fixed-type annuities. If you are…

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Survey: Advisors Reserved About What Clients Might Face in 2020

January 7, 2020

As a new year rolls in, one survey suggests that advisors are optimistic but cautious about what might lie ahead for their clients in an uncertain economy. InvestmentNews has released the findings of another one of its comprehensive surveys of advisors each year. In November of 2019, the news outlet surveyed 353 advisors about their…

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How the SECURE Act Could Change Your Retirement

January 2, 2020

It’s happened. After a nearly unanimous passage in the U.S. House of Representatives, the SECURE Act (Setting Up Every Community for Retirement Enhancement Act) has become law. The legislation was “attached” to a bipartisan spending bill with the goal of avoiding another government shutdown. The president signed the SECURE Act into law on December 20th,…

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How Much Income Will You Really Need for Retirement?

December 20, 2019

Calculating how much income you will need for retirement isn’t necessarily an easy task. Your health expenses will probably increase, but your mortgage payments may decrease or stop. Meanwhile, other expenses might continue to change over time. Of course, you likely won’t have to deal with payroll taxes as much. Chances are you will also…

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Have These Financial Conversations During the Holidays

November 21, 2019

Ah, the holidays… an annual time of food, fellowship, and fun with family, friends, and loved ones. Everyone returns home and catches up on all of the family happenings over the past year. But the holidays can also be stressful and fast-paced, as people have cookies to bake, presents to wrap, and shopping to do.…

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Medicare open enrollment starts Oct. 15. Do a checkup on your coverage

October 15, 2019

If you’re covered under Medicare, don’t let complacency prevent you from reviewing your health insurance options and maybe saving some money. Open enrollment for Medicare begins Oct. 15 and ends Dec. 7. It is during this period that those covered by Medicare — people 65 and older — can change their health plan and prescription…

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