savers

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

A happy couple walk along the Maumee River.

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...

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....

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...

Fixed Indexed Annuities guarantee that you cannot lose money due to market performance. That quality makes them an option for your...

Two retirees recently told me that they are waiting for 8% before they move their nest egg out of the bank. They both mentioned articles...

Right now, may be one of the roughest times that retirees will have to deal with for a long time. The effects of inflation and market...

Imagine you have a Roth IRA, a 401(k) at work and a brokerage account. A fairly typical situation these days. You are 65-years old and...

Beef Amazon Prime Gasoline Haircut Electricity Let me start the list of pain in the wallet. You go next. Who is asking you for more money...

I know it's asking a lot. Sharing a stranger's idea with one of the most powerful people in American politics. But, it's a good idea. An...

The statement is for an annuity. The question came from someone who called into our office. Think about what they were asking. Someone...

Think this question over- Does your financial advisor really listen to what you say and does he still today have new ideas to improve...

I only ask because no one else seems to be taking the possibility seriously. Maybe they are all correct and that buying the dips makes...

Last year was a good one for the "stock market". The major stock indexes all had double digit gains. Of course there were some stocks...

With a new President comes new ideas. Whole bunch of ideas being thrown around within the new administration. Ideas like increasing the...

You may have heard of "Income Buckets" before. This proven strategy to generate retirement income often uses three buckets of money- each...