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How Can Market Downturns Affect Your Retirement Income?

October 30, 2018

For skiing enthusiasts, the concept of ups-and-downs is quite exhilarating. Just the thought of cutting powder on tall, sloping moguls can make even the “hard cores” blush. But as recent market volatility reminds us, the goodwill doesn’t apply to ups-and-downs in every situation. Sometimes it can bring just the opposite. Earlier this month on Morningstar, Director of Personal…

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Market Volatility is Back as Fed Hints at More Rate Hikes

October 25, 2018

Earlier this year, equity analysts started reaching for the Motrin again as market volatility came back to town. After a prolonged period of growth, U.S. stocks began charting a new path of ups and downs. Scores of commentators observed the change in market winds. Even Jack Bogle, founder of Vanguard, said the newfound market swings…

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This Nobel Prize-Winning Physicist Sold His Medal to Help Cover Medical Expenses

October 20, 2018

Nobel laureates are certainly top achievers. In 1988, Leon Lederman won a Nobel Prize for his work in physics. Apart from award-winning research into subatomic particles, he is famous for coining the infamous name of the Higgs bosin: the “God particle.” Lederman passed away in a nursing home in Idaho on October 4. He was…

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Medicare Annual Open Enrollment is Here

October 15, 2018

Every year a Medicare Open Enrollment Period, correctly referred to as the Annual Election Period, is made available for people who qualify for Medicare benefits. During the 2019 Annual Election Date, anyone who is eligible for Medicare Parts A and B can enroll in or make changes to their Medicare coverage. Part D & Medicare…

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How To Use Life Insurance In Your Retirement Planning

September 17, 2018

POST WRITTEN BY Jacob Alphin Founder of Rillhurst Capital LLC, an independent wealth management firm serving the Washington DC metro area. Investing in the market without taking losses — is it too good to be true? Not according to the University of Michigan’s head coach Jim Harbaugh. In August, University of Michigan helped Harbaugh become the…

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Roger Ibbotson Weighs in on Fixed Indexed Annuities 

August 16, 2018

When Roger Ibbotson recently published a new report on fixed indexed annuities and their place in an optimized retirement portfolio, everyone took notice. Few economists and financial researchers garner the attention and level of respect that he does. He is Professor Emeritus at Yale School of Management, former chairperson of research firm Ibbotson Associates, and chairman as…

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Legislative Change Reverses Obama-Era Coverage Duration Limit

August 2, 2018

HHS final rule on short-term, limited-duration insurance brings more flexibility and choices to consumers August 1, 2018 the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services (CMS) announced a final ruling regarding short-term medical coverage duration periods. Coverage can now cover an initial period of up to 364 days, and, taking…

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What is a 1035 Exchange?

July 16, 2018

Do you have a current annuity or cash value insurance policy that is under performing or is not meeting your needs? Did you buy it years ago when life policies had no living benefits or annuities were limited to low fixed interest earnings? If you are on the lookout for a new policy, a 1035…

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Where are Equity Markets Headed? A Roundup from the Experts

July 12, 2018

It seems equity market instability is taking over financial headlines again. With a trade war taking shape between the U.S. and a good portion of the rest of the industrialized world, analysts are once again reaching for—if not yet raising—their red flags. Market Watch recently featured this eyebrow-raising headline: “The Dow and S&P 500 are 10 trading days…

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5 Ways Annuities Can Protect You From Uncertainty of Stocks

July 3, 2018

As market volatility resurfaces, alternative retirement planning tools that eliminate risk with predictable, stable returns are gaining interest. Check out this Newsmax Article: 5 Ways Annuities Can Protect You From Uncertainty of Stocks |  

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