Family Ready


Many think of a fixed indexed annuity only as it relates to themselves and as a way to obtain an income they can’t outlive in our retirement; but this week’s article tells us to be “Family Ready to celebrate all life can offer, with those who matter most. A fixed indexed annuity can help you get started.” There is more than one reason to look at this product. Call us, we’d love to explain how it might fit into your long term plans. We’re always here to help.

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How do I compare to my colleagues?

Often, when we see statistics of what others are doing, we try to distinguish ourselves by saying ‘They’re different from me’. Interestingly, that may be the case when comparing retirement-readiness. This week’s article tells us “Understanding and comparing retirement-readiness scores of America’s workforce, industry by industry, shows there are important differences and surprising similarities across the occupations.” We thought you might be interested in seeing these numbers. Call us if you have any questions after reading it. We’re always here to help.

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A Very Long Time

“One of the biggest challenges in retirement is building a reliable stream of monthly income to support you for what could be a very long time. While retirees have long relied on bonds for this purpose, a retirement income expert recently told MONEY that there’s a better solution: income annuities.” Call us if you’d like to talk about what he says in this week’s article. We’re always here to help.

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Master of Retirement

This week I thought you might want to “become more educated when it comes to retirement planning, especially as one in five Americans have absolutely nothing saved for their golden years. Enhancing your retirement confidence can include reading up on tips to boost your savings or testing your knowledge with quizzes like the “Master of Retirement” game. Press the Link in this week’s newsletter, have some fun playing the game, and call us when you’re done. We’re always here to help.

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Population Aging

Did you know that changes in the distribution of age in the US population over the past years has accounted for about one-fifth of the increase in the expenditures for services versus goods? This week’s article is interesting because it tells us that “the rising percentage of the population over 60 and their larger consumption of health appears to be the key factors.” We’ve always thought that the older we get the more we are likely to need to spend on health care. Have you thought about how you will pay for that? Call us, we may have some options you haven’t thought about that are sources for income in your retirement. We’re always here to help.

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Want to Accumulate?

Did you know that if you need “insurance for as long as you live and want to accumulate savings a universal policy” might be something you want to consider as a choice. Sometimes people “take a shortcut (such as simply buying a multiple of annual income).” Call us if you would like help in determining the right amount of life insurance, and the type that best suits your goals. We’re always here to help.

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Retirement Calculators

Are you on track for where you need to be for retirement? This week I thought to share with you several calculators. “These customizable calculators will allow you to run different scenarios and discover how small adjustments could make a big difference for your retirement future.” Call us after you have your calculations because we can help you get on track if your numbers aren’t making you happy! We’re always here to help.

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Transform your Stress

This week’s article tells us that “Financial stress is the number one source of stress for employees, according to a Price Waterhouse Coopers 2019 survey. Financial matters outrank any other source of stress combined, including health and relationships. Retirement can be a key driver in that stress with nine out of 10 people reporting they don’t feel very confident in their overall retirement savings situation.” If you are feeling the stress, call us. We know of some choices that may help you feel better about your retirement planning. We’re always here to help.

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“It’s No Myth, Lack of Diversity Puts Retirement At Risk.”

This week’s article tells us “to diversify, products like a fixed indexed annuity can offer balance, growth potential with principal protection, and a steady income stream during retirement.” Don’t let misconceptions derail your best solution for balance and security. Did you know that “Not every retirement account can guarantee a steady lifetime income stream like Fixed Index Annuities?” Call us, we’re happy to discuss your retirement situation with you and help you sort myth from fact. We’re always here to help.

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The Crisis

I read an article the other day that, while written a few years back, seemed to resonate even more today. The author wrote “More dangerous yet is the shift in focus away from retirement income to return on investment that has come with the introduction of saver-managed [retirement] plans: Investment decisions are now focused on the value of the funds, the returns on investment they deliver, and how volatile those returns are. Yet the primary concern of the saver remains what it always has been: Will I have sufficient income in retirement to live comfortably? Clearly, the risk and return variables that now drive investment decisions are not being measured in units that correspond to savers’ retirement goals and their likelihood of meeting them.” That’s where we come in. We have some ideas to help you obtain sufficient income, and look forward to helping you meet your retirement goals. Call us, we’re always here to help.

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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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