retirement

Relief comes from not facing important retirement decisions alone.

Compare results for a 70-Year Old with a $100,000 IRA. RMDs and account balances across two types of annuities.

For many Northwest Ohio STRS, PERS, and SERS members, retirement planning becomes an endless search for certainty. Should I pick Option 1 or Option 2? Should I take a PLOP? Should I invest more aggressively? Should I delay retirement another year? The problem is that retirement doesn't offer certainty. It offers confidence. And confidence comes from recognizing what you've already accomplished. You've shown up for work for decades. You've contributed to your retirement

Annuity Decision Process™️

Retirement is a time to enjoy life, relax, and feel secure. If you’re thinking about where to spend your retirement years, you might wonder why so many retirees choose to stay in Northwest Ohio. In fact, 82% of retirees in this region decide to stay put. What makes Northwest Ohio so special for retirees? Let’s explore the top three reasons that make this area a favorite for those enjoying their golden years. Eye-level view of a peaceful lakeside park in Northwest Ohio with be

Purchase the Right Annuity for You - Not the One You Are Being Sold Take the time to review options from several annuity providers. It is your money, after all. Savvy buyers approach annuity decisions with confidence and precision. Annuities can offer tax deferred growth and a dependable income stream for retirement, yet their complexities demand a clear understanding. Here are three pivotal questions that discerning annuity buyers ask before committing. 1. What type of annu

When you think about your retirement investments, you probably want a mix that balances growth and safety. Balanced funds, target-date funds, and "set it and forget it" allocations are popular choices because they promise simplicity and steady results. But there’s a hidden risk many retirees don’t see: bond exposure. This hidden bond exposure can limit your flexibility and may shortchange your long-term results. Let’s explore why these three common investment approaches mi

Discover a conservative way to generate the retirement income you want - and free up dollars for additional liquidity.

A happy couple walk along the Maumee River.

Do the issues raised by Bloomberg raise risks for current retirees?

Stock markets are at all-time highs in the US. The Dow Jones Industrial Average trails the other major indexes, up only 18% in the past...

NOTE: This blog article is intended primarily for someone who already owns a Fixed Index Annuity. However, it will also be helpful for...

I understand that you can't leave your current broker or financial advisor easily. They do have all your money, and it is "allocated"....

Some people like numbers, calculating and figuring. Their brains are wired to look at choices that involve numbers well. These folks...

Two minute video explains how getting old impacts your IRA accounts.

In 1984 a medium sized life insurance company made a portfolio allocation "bet" that caused its trajectory to soar for the next 30-years....

Do you remember the rest of this 1990's marketing slogan and what company made it famous? Of course, you do! This concise slogan ended in...

I'm not sure which came first when it comes to scrambled eggs and chicken sandwiches. But I know what HAS TO COME FIRST when you are...

Have you heard about indexes that use algorithms or mathematical formulas to guide their asset allocation? No human money manager. A...

A syndicated columnist each year writes about how he allows young trick-or-treaters to choose from two treats. One treat is a small piece...