Financial advice to help you build and protect wealth in a volatile market.
We've all seen them.......Those TV shows and commercials where the wealth manager of an investment firm touts how they hate annuities. But why? It's simple..... Annuities are NOT for Investors. Annuities are for Savers. Comparing annuities to stocks and mutual funds, is like comparing apples to oranges. They are just not the same.
Read moreA recent study from Fidelity estimated that the average 65 year old married couple would need about $280,000 in savings to cover out-of-pocket costs, including Medicare deductibles, copays, prescription drugs, Medicare premiums, dental and vision care.
Read moreClearly, Social Security is not sufficient income for most of us by itself to fund an acceptable retirement lifestyle. But there are some things you can do to boost your monthly payout.
Read moreThe TSP Modernization Act provisions went into effect on September 15, 2019. With it comes a host of new rules designed to give plan participants more freedom with taking distributions from their TSP accounts.
Read moreIntroducing the FInancial STability (FIST®) index. Simply answer a few easy questions and you will be able to get an instant snapshot of your financial risk exposure in these four areas: retirement, protection, liquidity and debt management.
Read moreChronic Illness Is a Major Problem for Senior Adults. Are you protected?
Read moreIf you have money in a savings account, and you are paying off credit cards or borrowing money for any reason, learn how you can convert your debts into a lifetime of tax exempt wealth.
Read moreOne of the chief criticisms of annuities is their relative lack of liquidity. This is true in some respects. Annuity owners give up complete liquidity in exchange for other benefits, including insurer guarantees for lifetime income, guaranteed growth, or protection from downside risk. Many annuities now come with guaranteed income riders that can be turned off and on while letting you still access at least some principal. And most contracts do offer something called "free withdrawals."
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