WHAT IF THE MARKET GOES UP?

The author of this week’s article provides an explanation for “Why an FIA is better than stocks” and asks us “Which is better? Having to time the market right or not having to worry about that? Risking principal to achieve gains or achieving gains without risking...

AFTER A VOLATILE END TO 2018

“Wary investors may be searching for stability in 2019.” So what should people consider? The author of this week’s article states that “Risk tolerance and time horizon play big roles in deciding how to allocate your investments. Conservative investors or those near...

TOP TWO REASONS

This week’s article discusses a new retirement institute study of annuity owners which found “the top two reasons consumers buy annuities are to supplement Social Security/pension income and to receive guaranteed income payments for life.” If you are looking for this...

JOIN THE CLUB

This week’s article caught my eye at the outset when it stated “In case you didn’t know, there is such a thing as a lifetime income club. Of course, it goes by another name: annuities.” The author of the article, the Chief Academic Officer of The American College of...

THE BIG SURPRISE

Have you ever thought about why people haven’t saved more for their retirement? “Financial shocks leave a mark on financial outcomes such as your ability to retire,” said one of the authors of RAND’s study on savings regrets. “The shocks can be quite serious and set...

GOALS

With the New Year, we often reflect on goals and resolutions. This week’s article tells us “Surveys of retirement-age baby boomers indicate they no longer seek high growth in their portfolios. Instead, they express a desire for guaranteed lifetime income, safety of...

HEALTH AND MONEY

Did you know there are studies that indicate health declines with retirement, and thus health costs increase. “For many people, retirement is a key reward for decades of daily work—a time to relax, explore, and have fun unburdened by the daily grind. For others,...

ROLE IN RETIREMENT PLANNING

This week’s article tells us that “Annuities play an important role in retirement planning by helping individuals guard against outliving their assets. In the most general sense, an annuity is an agreement for an entity (generally a life insurance company) to pay...

INCOME OUTSIDE OF SOCIAL SECURITY AND PENSIONS

With fewer and fewer companies funding retirement plans, “retirees have become dependent on savings that are often inadequate to fund their retirements. Recent studies put the "retirement income gap," the difference between the amount of money retirees have saved and...

AGING IS AN OPPORTUNITY

“Around the world, people are living longer as birth rates decline. As this dramatic shift in global demographics escalates, both public policymakers and the private business sector must reevaluate their long-term strategies. The changing landscape offers significant...

FEATURED ARTICLES

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One

Educate Yourself

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Two

Understand the Basics

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Three

Who's who in a Fixed Index Annuity

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Four

Understand the Benefits

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Five

Tax Deferral

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Six

Indexed Interest Potential

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Seven

Protection Benefits

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