The Most Common Questions Are:
Why Should I Increase My Retirement Savings in a Bear Market?
A slow market or a bear market may make you shy away from investing in stocks or saving for retirement, but it is important that you continue to save and invest even during difficult economic times.
I Have Reached My Employer Match - Now What Do I Do?
It is important to take advantage of your employer's match, but are there other options you should consider after you have reached that match? You may want to learn how to grow your retirement savings tax-free while making the most of your savings options with an Indexed Universal Life policy.
How much money do I need to retire?
The amount of money needed for retirement will be different for everybody. While some people will want to travel and spoil their grand kids, others will not. The best rule of thumb is to add up expected retirement income – social security, pensions, distributions from individual retirement accounts, investments, etc. – and subtract all expected retirement expenses – housing, utilities, taxes, insurance, food, clothes, etc. – to see how much of this will be needed after retirement. The final answer, of course, will be based on anticipated life expectancy. Contact us for a free financial needs analysis
Is a Fixed Annuity Right for Me?
Once we've done a financial needs analysis, if your assessment produced more than one affirmative answer then you may be a candidate for a fixed annuity and it would be worth exploring the different types that are available. Fixed annuities are complex instruments and they include many features that need to be fully understood. And, because they are a long term commitment, it is important to go into a fixed annuity with eyes wide open. If it is determined that a fixed annuity is right for you, they will be one of the best decisions you can make.