HIGH TECH OR HIGH TOUCH
This week’s article reminds us that “While high-tech solutions offer tremendous convenience, some things are still much better when they are high-touch. One of these things is retirement planning and creating a financial plan for the future. There are many options and components available when you are building your retirement plan, and professional guidance on how these components can work together can make a significant impact on what your future values will be.” We are always here to provide you with professional assistance in your search for retirement income solutions. Call us, we are here to help.
BASIC BUILDING BLOCKS
This week’s article begins with a thought we have often discussed; “Annuities have long been the basic building blocks of the U.S. retirement income system.” Economists generally agree that many retirees would benefit if they annuitized at least some of their retirement savings. Call us if you would like to see how this fits into your retirement planning and if we have some options that might work well for you. We’re always here to help.
GROWTH POTENTIAL BUT MORE IMPORTANTLY PRINCIPAL PROTECTION
I found this week’s article timely as the markets rise and dip. This week’s article says that “Fixed Indexed Annuities combine the stability and guarantees of a fixed product with growth potential based on the performance of an underlying securities index such as the S&P 500.” I liked how the author weighed in with his explanation that while not invested directly in securities, clients can receive higher interest credits if the index increases, but more importantly they “are protected from market losses by a guaranteed minimum interest rate or “floor”. Call us if you’d like to understand these concepts and this type of product better. We are here to help you feel good about where you put your hard earned and needed retirement savings.
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ADVANTAGES
With President’s weekend fast approaching, we can’t help but think more about helping those veterans amongst us. This week’s article states that “Veterans preparing for retirement may purchase annuities to supplement their military benefits and future benefits like Social Security and pension payments. Annuity income provides tax advantages, a consistent and guaranteed stream of money and hedges the risk of running out of money late in life.” You don’t need to be a veteran to receive these advantages. Call us to discuss options that may be available for you. We’re always here to help.
OLDER COUPLES BOTH EMPLOYED
I don’t know about you, but I have often wondered if in the end it really makes a difference, when all is said and done, if both spouses worked prior to entering retirement. I read a study that I thought to share with you this week that discussed this issue and “ analyzed the effects of job loss, changes in wealth and changes in expectations”. As we enter retirement, whether as a couple or single, it is important to have income we can count on, and income that we know will last the rest of our lives. That is what we do; we introduce you to options that enable those entering retirement to gain the peace of mind knowing that they have an income they can count on. Regardless if they worked prior to entering retirement. Call us. We’re here to talk to you about these options.
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BRINGING BALANCE
“In our hectic lives, balance is something many of us strive to achieve.” This week’s article caught my eye with its first sentence, as the thought of balance rang resonant with what we have always sought to provide assistance on with our clients. Balanced options are so important in retirement especially when we try to find different ways to ensure that we have income we won’t outlive once we stop working. We may have some ideas for you, and would love to help you come to solutions that make you feel better about your retirement planning. Call us, we’re always here for you.
OLDER AMERICANS WORKING LONGER
Did you know that “Older Americans are working longer and claiming their Social Security benefits later, new research from the Social Security Administration shows.” This week’s article reminded me that sometimes individuals work longer solely because their savings are insufficient to carry them through a longer period of retirement. Call us if you are reflecting on your savings and searching for options that will provide an income you can’t outlive. We may have some ideas you have not considered, and we’re always here to help you.
Sometimes it’s Fun
Sometimes it is fun to take a moment and participate in a quiz about retirement. Answering questions and then comparing our responses to others gives us new opportunities to think about the choices we are making, and how we are planning for the future. This week’s article does just that. Can you answer the retirement questions it poses? Call us when you and done to talk about your plans for the future. We are always here to help.
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SOMETIMES IT’S FUN
Sometimes it is fun to take a moment and participate in a quiz about retirement. Answering questions and then comparing our responses to others gives us new opportunities to think about the choices we are making, and how we are planning for the future. This week’s article does just that. Can you answer the retirement questions it poses? Call us when you and done to talk about your plans for the future. We are always here to help.
ARE YOU UNDERSAVED FOR RETIREMENT?
I thought you might like this week’s article because it contains several videos aimed at raising your “Retirement IQ”. Did you know that “A startling number of baby boomers don’t know how much money they need to live comfortably during retirement, and without a target in mind, have ended up saving very little. In fact, 1 in 4 baby boomers have less than $5k saved for retirement.” The good news is “it’s easy to raise your retirement IQ. Start with the basics of estimating costs, get a balanced portfolio in place, and research financial products that offer a guaranteed stream of income no matter how long you live.” We can speak with you about some of these financial products if a guaranteed stream of income is what you are looking for. Call us, we’re always here to help.