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What Is an Annuity?

Annuity | How do annuities work
The money invested in an annuity grows tax-deferred. There is no contribution limit for an annuity.

Individuals hold about $2.2 trillion in annuity contracts; a tidy sum considering an estimated $9.2 trillion is held in all types of IRAs.1

...

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Insuring Your Business With a Buy/Sell Agreement

Business Retirement \ Key Man Insurance | Life Insurance
One way of safeguarding a business is to create a buy-sell agreement.

Life insurance is designed to help protect a household from the financial hardships that may follow the untimely death of a primary wage earner.

But how will...

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Global vs. International: What’s The Difference?

Investing | Financial Advice | Financial Advisor
The definition may seem clear, but what may seem less clear is why an investor might select one over the other.

With international stock markets comprising about 45.5 percent of the world’s capitalization, a broad range of investment opportunities...

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All Muni Bonds Are Not Created Equal

Retirement Planning | Fixed Income |Annuity
Both general obligation and revenue bonds share certain investment risks

The city of Detroit emerged from bankruptcy in 2014. Still, its previous inability to pay investors left some questioning their long-held assumption about the relative safety of municipal bonds. Without...

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How Full Retirement Age Affects Social Security

Social Security | Retirement Planning
Making the right choice can make a difference of tens, or even hundreds of thousands of dollars, in the lifetime benefits are paid.

As you gear up for crucial retirement decisions such as Social Security, you may have heard of “full retirement...

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A Bucket Plan to Go with Your Bucket List

Annuity | Retirement Planning | Annuity Quote
A bucket plan can help you be better prepared for a comfortable retirement.

John and Mary are nearing retirement and they have a lot of items on their bucket list. Longer life expectancies mean John and Mary may need...

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How will you weather the ups and downs of the business cycle?

Business Loans | SBA Business Loans | Employee Benefit Plans
What could the business cycle mean for your investment decisions?

The business cycle is the term used to describe the expanding and contracting pattern of the US economy. Up until the 1800s, it was thought...

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Lifetime Income Options That Can Help You Reach More Financial Confidence

Annuity | Annuity Quote | Social Security Planning
The shift from pensions to self-managed retirement accounts has brought large change for retired and working-age people.
Today, Americans bear more financial responsibility for their retirement than ever. The days of receiving monthly pension checks are gradually fading....

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Catch-Up Contributions

Annuity | Annuity Quote | Retirement Planning
Setting aside an extra $6,500 each year into a tax-deferred retirement account has the potential to make a big difference in the eventual balance of the account.

A recent survey found that 23% of people were very confident about having...

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Your Changing Definition of Risk in Retirement

Annuity | Annuity Quote | Retirement Planning
Annuities are for savers who like the peace of mind of guaranteed monthly income they can count on.

During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive” and that guided how your portfolio...

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