Three weeks from now, the midterm elections will be behind us. What won't be behind us is the uncertainty that often surrounds the days and weeks leading up to major elections. Investors have strong opinions about what election outcomes could mean for taxes, regulation, interest rates, economic growth, and the stock market. The challenge is that markets don't simply react to who wins or loses. They react to expectations, surprises, and sometimes completely unrelated events. T

I thought it might be useful to occasionally show you how I use annuities to benefit real clients in Toledo and Northwest Ohio. So, here’s an actual planning situation. My client is 70 years young and has roughly $380,000 in IRAs. Social Security and a pension provide the income she needs to live a secure and comfortable retirement. Bank savings and a money market fund provide emergency and opoortunity funds. We’re considering putting $120,000 — about one-third of her IRA mon

Relief comes from not facing important retirement decisions alone.

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 planning often feels like navigating a maze with many unknowns. One of the most common questions is whether an annuity fits into your retirement plan. Annuities can offer steady income, but they are not the right choice for everyone. To help you decide, there is a clear, three-step process that answers the most important question: does an annuity belong in your retirement plan? This process helps you verify your need, justify an insured solution, and match the righ

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

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

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

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

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

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...