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Social Security Retirement Age Targeted by the US Government

Tuesday, October 3rd, 2017 and is filed under Uncategorized

Social Security Benefits Could Be Denied if the Retirement Age ChangesRetirement is a goal for virtually every American worker. For many, however, retirement savings aren’t on the radar; instead, Social Security is the safety net millions of aging employees plan to utilize to stay afloat in the years to come.

While it’s not recommended to rely solely on Social Security in retirement, this is a reality many Americans face. According to the Social Security Administration, 21% of married couples and 43% of unmarried individuals depend on government benefits for 90% or more of their income in retirement.

Unfortunately, times are changing. Read More

Types of Annuities: Is Variable or Fixed Index Better?

Thursday, September 28th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Of the types of annuities, which is better, the fixed annuity or the variable annuity?As you explore your retirement options, you’ll likely encounter more than a few investment strategies.

Whether you’re close to retirement age or years away from it, making smart decisions at the onset is critical to reaping the most reward when that time comes.

Yet, with so many choices and so much jargon surrounding the industry, it can be difficult to determine exactly which path is the best one for you. From different types of annuities to IRAs and 401(k)s, there’s no shortage of places to put your money — if you can discern which place is best.

That might be why, according to a new survey, Americans revealed they’re less confident about their retirement earnings today than they were just one year ago.

One way to boost that assurance? Learn as much as you can about the choices you’re presented.

So let’s start simple. Read More

What is a fixed index annuity?

Thursday, September 7th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

What is a fixed index annuity?A question we hear quite often is, “What is a fixed index annuity?” It’s a very valid question because fixed index annuities are unique among the various types of annuities and are a little hard to understand. So to answer the question, we’ll throw in a little history, give you the formal definition, elaborate on how to use them to build your retirement savings, and explain how they offer guaranteed income for life. Let’s get started.

Annuities have been around for a long, long time, dating at least back to the Roman Empire. Around A.D. 225, Romans used an “annua” to pay their soldiers. Annua were lifetime stipends paid once per year instead of paying soldiers a lump-sum at the time of their retirement. “Annua” is a Latin word which means “annual payments.”

The fixed index annuity, however, is a much more recent invention. Read More

Be Careful with Your Hurricane Harvey Donations!

Wednesday, September 6th, 2017 and is filed under Financial Planning Tips, Videos

Be aware of who you are donating to with your Hurricane Harvey donations!

Join Cathy DeWitt Dunn on Morning Dose as she discusses charitable donations related to Hurricane Harvey victims and how to exercise caution when donating to certain charities. Read More

College Student Money Management with Cathy DeWitt Dunn

Friday, August 25th, 2017 and is filed under Financial Planning Tips, Uncategorized, Videos

When it comes to money management, college students tend to make a lot of mistakes. The two biggest money mistakes that college student make are student loan debt and credit card debt.

Join Cathy DeWitt Dunn on Channel 5 News in Dallas to discuss College Student Money Management. Read More

US Household Debt Hits Record Levels

Friday, August 18th, 2017 and is filed under Financial Planning Tips, Videos

Laila Muhammad and Cathy DeWitt DunnIf you are cringing every time you open your bills every single month, well, you’re definitely not alone. According to a new report from the Federal Reserve Bank of New York, Americans’ debt level has hit a new record high. Total U.S. household debt has hit nearly $13 trillion in the most recent quarter. That is up over $500 billion over the same time last year. Well, that study also found that the average American is about $37,000 in debt. So 1 in 10 Americans are more than $100,000 in debt, and that’s not even including your mortgage. Credit card debt is also at a record high. According to the Federal Reserve, U.S. households collectedly have more than $1 trillion in credit card debt. Read More

Cathy DeWitt Dunn on Checking Account Alternatives

Monday, July 31st, 2017 and is filed under Financial Planning Tips, Videos

Join financial professional Cathy DeWitt Dunn and KDAF’s Laila Muhammad as they discuss checking account alternatives in this television interview.

Read More

Cathy DeWitt Dunn on Christmas in July

Wednesday, July 19th, 2017 and is filed under Financial Planning Tips, Videos

Annuity Watch USA’s Cathy DeWitt Dunn discusses “Christmas in July” with KDFW Fox 4’s Shannon Murray in this television interview.

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Compare the Best Annuity Companies

Friday, July 7th, 2017 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Compare the Best Annuity CompaniesWhen considering buying an annuity, one thing you’ll certainly want to keep in mind is that an annuity product guarantee is only as good as the financial strength and claims-paying ability of the issuing insurance company. Therefore, you will want to compare the best annuity companies and take great care when choosing an annuity provider.

At Annuity Watch USA, we fully understand your need to research annuity providers, so we’ve put together some great tools to help you compare annuity companies and make the best choice possible for your annuity purchase. Read More

Our 7 Point Retirement Planning Checklist Has You Covered

Friday, June 16th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Videos

Do you have a retirement planning checklist that is up-to-date? Unfortunately, most people don’t, and what’s worse, they don’t even have a retirement plan in the first place. Here is our 7-point retirement planning checklist: Read More