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How You Can Use Annuities for Greater Tax Efficiency in Retirement

September 4, 2019

As an annuity owner, you take comfort in knowing that you have planned for an uninterrupted lifelong retirement income stream. Working alongside other income sources from your nest egg, it will pay out, like clockwork, to fund the retirement you have always imagined. But have you considered whether your income streams are as “efficient” as…

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These Lifetime Income Options Can Help You Reach More Financial Confidence

August 26, 2019

Today, Americans bear more financial responsibility for their retirement than ever. The days of receiving monthly pension checks are gradually fading. According to Willis Towers Watson, only 16% of Fortune 500 companies were offering pensions to new hires in 2017, down from 59% of firms in 1998. Defined-contribution plans like 401(k) accounts are taking their…

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How to Make Your Money Last in Retirement

August 19, 2019

With new swells of Americans turning 65 each day, it’s one of the most-pressing questions in financial planning: How can I make my money last in retirement? Today’s retirees aren’t just sitting back. As they live longer, they are delving into new opportunities with full steam. Second-act careers. Entrepreneurship. Volunteering for personal causes. Cross-country tours.…

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COBRA Continuation Coverage after a Merger or Acquisition

February 28, 2019

You just sold your business and half of your staff lost their jobs. Are you obligated to offer COBRA continuation coverage to those former employees? Perhaps. When an employee loses their job, they may become eligible for COBRA. COBRA is the Consolidated Omnibus Budget Reconciliation Act, which gives certain former employees and their dependents access…

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Understanding Average vs. Compounding Portfolio Effects in Retirement

February 1, 2019

Most people consider investment returns as a benchmark for judging the performance of their portfolio. This may be especially true for retirees and pre-retirees who likely have been invested in the market for some time. That experience might have been through brokerage mutual fund investments, brokerage accounts, or even retirement savings plans such as 401(k)s…

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Survey: Advisors Anxious About What Might Lie Ahead for Clients

January 17, 2019

As 2019 begins, two new surveys suggest that both advisors and economists aren’t so optimistic about where the economy is headed. This kind of insight from industry experts is useful, but especially to those who are approaching retirement. Knowing what pundits and advisors believe could lie ahead, and exploring what action can be taken in…

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Rising Interest Rates, Market Turmoil Encourage a Self-Reliant Retirement

January 2, 2019

While a volatile stock market is often referred to as a roller coaster ride, the closing days of 2018 seemed to have been the next step up. After a prolonged growth period, the market moved into a new record-setting path of volatility. And some financial pundits suggest that it may continue in the new year. Welcome to…

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Good News! Retirement Concerns Appear to Decline with Age, But Planning Still Required

December 22, 2018

With age comes wisdom – and apparently the ability to better handle unexpected expenses, according to the Society of Actuaries (SOA). In their recent study, the SOA analyzed financial risk management across generations. Chief among their findings? That “the ability to handle unforeseen expenses increases with age, peaking with Early Boomers and then declining for the Silent…

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ACA Struck Down by Federal Court, but Will Remain in Place Pending Appeal

December 18, 2018

On Dec. 14, 2018, a federal judge ruled in Texas v. United States that the entire ACA is invalid due to the elimination of the individual mandate penalty in 2019. Following this decision, the White House announced that the ACA will remain in place pending appeal. This lawsuit was filed by 20 Republican-controlled states as…

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The Rich Person Roth: For The Most Tax-Free Retirement Income

November 16, 2018

Article by David Rae Forbes Contributor While the Trump Tax Plan was touted as a huge tax cut, many millions of Americans will still see their taxes go up in 2018. Residents of high-tax states like California, New York and New Jersey are the ones who will be mostly affected. Those individuals should be proactive and look…

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