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Seldom Talked About Benefit of Income Annuities for 80 Year Olds

Most annuity discussions seem to focus on lifetime income, and that seems to be fair given their unique ability to provide lifetime income for their owners that is backed by life insurance companies. However, there is another important benefit for income annuities (aka – SPIAs or Immediate Annuities) that is particularly helpful as time goes  Click to Continue

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Immediate Annuities: The Opposite Of Life Insurance

In this day and age of employee-sponsored qualified retirement plans such as 401(k)s and 403(b)s, many of us have never known what it would be like to have a pension plan with an employer.  Many of our parents and grandparents have lived out their retirement years with funds received as a pension payout from their  Click to Continue

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Why Singles and Doubles Win the Retirement Game

If you spend any amount of time on the web, you will quickly notice the vast amount of information, blogs, videos, and articles about retirement that are making their way to the surface in rapid pace.  No doubt we are entering what could be described as the “Great Unknown” in terms of retirement.  Let me  Click to Continue

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The Right Retirement Mix Includes Annuities

What is the perfect mix of retirement products that would ensure that your clients accumulate enough wealth to pass a legacy on to their heirs while maintaining a comfortable income stream as long as they live?  This is the million-dollar question that every financial advisor aims to answer.  According to Peng Zhou, Ph.D., an actuary  Click to Continue

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Enhanced Benefits of Annuities

Annuities can provide enhanced benefits in addition to the lifetime income stream, growth with 100% downside protection, and tax deferral.  I want to explain the benefits that provide Enhanced Death Benefits, Medical Benefits, Nursing Home Assistance, and Return of Premium.   Enhanced Death Benefits Enhanced Death Benefits are similar to how the lifetime income riders  Click to Continue

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Solutions for the Retirement Crisis

If you are a baby boomer, then you are no stranger to the term “retirement crisis”.  With healthcare costs on the rise and people living longer than previous generations, retirees are spending more and more money these days.  Now factor in the uncertainty of the Social Security program and the fact that 10,000 boomers turn  Click to Continue

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FED to taper QE, what does this mean for retirees and those approaching retirement?

  Federal Reserve Chair Ben Bernanke just recently announced that they Federal Reserve (FED) will taper its quantitative easing (asset purchasing) stimulus program.  This announcement sent the markets into a tailspin, dropping significantly at the end of last week.  With this announcement, the FED said the reasoning is that their signs that economy is strengthening  Click to Continue

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Safe Money Alternatives

When I talk about the term “safe money”, what I am referring to is simply money you can’t afford to lose.  Depending on your age, your safe money may be a larger or smaller portion of your portfolio.  If you are anything like my parents, the term safe money is talked about, and coming up  Click to Continue

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