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SAVING WHILE PAYING OFF LOANS

Whether we are dealing with personal loans like paying off a home or car, or having discussions with family members about paying student loans, the conversation often circles back to the heart of the problem; finding ways to save money while simultaneously paying off loans. I found this week’s article interesting and thought to share it with you because it provides four suggestions for accomplishing this goal. As you speak with your loved ones about how these strategies might work in your circumstance, give us a call. We are always here to help you navigate the road to better achieving your objectives.

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THE SECRET

This week’s article that I thought to share with you is called “The Secret to Generating Lifetime Income.” It states that “one solution to help ensure lifetime income is adding a fixed indexed annuity (FIA) to your retirement portfolio. These products can help balance your portfolio and generate guaranteed income for life.” We certainly don’t keep these products a secret, as they are frequently used by retirees to supplement social security income. Call us, we are happy to explain how they work and to discuss if they might be a good option for you to consider. We’re always here to help.

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AT LEAST ONCE

“While a whopping 94 percent of Americans currently give themselves a passing grade on retirement, a third of them have confessed to stopping retirement savings at least once”, according to a new report cited in this week’s article. Stopping savings can happen for a variety of reasons ranging from loss of a job and income to added unexpected expenses. Because these events can also happen in retirement where income that is not derived from guaranteed investments declines, or health care costs go up, it is best to plan for these bumps in the road. Call us, we may have some choices you can select from to help you have an income you can rely on, and an income that will survive a bump in the road. We are always here to help.

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RIGHT OR WRONG ONE FOR YOU?

The editor of this week’s article wrote that “An annuity can be a very smart retirement investment for many people. That’s not just because an annuity can provide a secure revenue stream — a monthly check — for the rest of your life, no matter how long you live. On top of that, the longer you live, the more you get what’s called a “mortality credit” as you outlive other people who bought into the annuity. The income gain from that can be many times greater than any other secure investment you’re likely to find.” To help explain the different types of annuities, the editor called on an economist from the prestigious University of Pennsylvania’s Wharton School to give some pointers to help understand what might be the right, or wrong one for you, including differentiating between a fixed and variable annuity. Take a look at what he said. We think you will find it of interest when you reflect on what your goals are.

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NOW THAT IT IS MAY

Now that it is May and tax season is behind us, it may be a good time to reassess how retirement has impacted or will impact your living expenses. This week I thought to share with you a chart that may help you with this assessment. “Your living expenses may increase or decrease at retirement but will likely not stay the same.” You can use this calculator to help compare living expenses that you have now to the day that you will retire. This may help you to plan your savings requirements accordingly. Call us if you need help in doing this analysis. We’re always here for you.

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CHOICES

This week’s article discusses the situation when a company offers to cash out the pensions of certain retirees and former employees and instead give them a lump-sum payment. In the past we have discussed the difficulty in being confronted with this type of situation. “For most retirees, a guaranteed stream of income for life is a better option than a lump sum.” But these types of situations require a thorough talking through to ensure that you are making the best possible choice from among your options. Call us if you find yourself trying to evaluate this or a similar situation. We are always here to help.
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QUESTIONS TO ASK

We always enjoy finding articles that help you to make good decisions for your financial future. This week’s article is one of those as it suggests some questions to ask that help determine what a good choice might be for you. “Indexed annuities offer a unique and attractive blend of safety, growth potential, tax advantages, lifetime income and liquidity” and it is important when you make your decision of which Annuity to purchase, to ask the right questions. Take a look at this week’s article. We think you will find it informative. Call us if you would like help in finding the answers to any of your questions. We’re always here to help.

 

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HOW OFTEN?

If you have ever wondered how often you should review your annuity portfolio, this week’s article tells us it should be done “as often as you would your other investments”. This is one of the reasons we invite clients for an annual review. Major changes such as a serious illness, stopping work, or health issues can have an impact on your financial planning. We look to help you make the right choices for where you are in your life, knowing that the only constant is change itself. So call us, we’re always here to help you get your bearing, and determine what might work best in a changed situation.
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BRIDGE THE GAP

I wasn’t really surprised to read in this week’s article that “When it comes to savings, the gender gap is huge. A recent study indicated that women have 50% lower savings than their male counterparts.” The amount and timing of our savings is dependent on so many factors, some of which we can control and many we cannot. This makes the idea of a looming retirement all the more scary. How can we possibly tuck away enough to totally live on for when we are not employed, if we have difficulty finding extra money when we are working? These and other questions are topics we frequently discuss. Call us if you have retirement savings concerns you are trying to find solutions for. We are always here to help.
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RETIREMENT READY QUIZ

From time to time clients will ask me about on-line tools they can use to help analyze and judge their preparations for retirement. Sometimes it is beneficial to insert various figures into an analysis and get a better idea about where you fall in terms of your income needs for the future. This week I thought to provide you with one such tool. Call us when you’ve had a chance to see where you are in your current retirement planning. We can suggest some options to increase your retirement income that you may not have thought about. We’re always here to help.
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FEATURED ARTICLES

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Educate Yourself

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Understand the Basics

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Who's who in a Fixed Index Annuity

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Understand the Benefits

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Tax Deferral

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Indexed Interest Potential

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Protection Benefits

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