Insurance Consultants: 888-416-LIFE / 480-607-1346

Planning Retirement

Survey: Advisors Reserved About What Clients Might Face in 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…

Read More

How the SECURE Act Could Change Your Retirement

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,…

Read More

How Much Income Will You Really Need for Retirement?

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…

Read More

Have These Financial Conversations During the Holidays

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.…

Read More

How You Can Use Annuities for Greater Tax Efficiency in Retirement

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…

Read More

These Lifetime Income Options Can Help You Reach More Financial Confidence

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…

Read More

How to Make Your Money Last in Retirement

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.…

Read More

Survey: Advisors Anxious About What Might Lie Ahead for Clients

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…

Read More

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

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…

Read More

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

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…

Read More
Holly Hanes