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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

Retirement Annuity Monthly Average Crediting Method

Wednesday, May 3rd, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

Monthly Average Crediting Method for Fixed Index AnnuitiesAs we continue our series on retirement annuities, we will now explore another crediting method which is called monthly point to point, also known as monthly average crediting.

As a reminder, there are three types of market index crediting methods used in Fixed Index Annuities – Point to Point, Monthly Sum, and Monthly Average. Your contract may have variations of one, or all three available for you to choose from.

In monthly average crediting, the insurance company records the value of the index you’ve chosen to track once each month. This snapshot of the index is taken on the day-of-the-month your contract was issued. At the end of the contract year, they take an average of the monthly values, and then compare it against the index’s value seen at the beginning of the contract year. Read More

Inflation-Protected Annuity Q&A with Cathy DeWitt Dunn on U.S. News & World Report

Tuesday, April 25th, 2017 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Inflation Protected AnnuityWith people living longer and spending an average of 18 years in retirement, inflation has the potential to wreak havoc on your retirement plans unless precautions are taken.

Let’s say for illustration purposes, that your current monthly expenses are $3,000 a month. Did you know that in 10 short years, your monthly expense will top $4,000 a month based on a 3% annual inflation rate? In 18 years, that same $3,000 a month expenses will exceed a staggering $5,100 a month after adjusting for inflation. If you are one of the many who spend 25 years in retirement, your expenses will more than double, topping $6,200 after calculating for inflation. Read More

Annuity Watch USA Awarded Top 100 Retirement Blogs

Monday, February 13th, 2017 and is filed under Annuity News, Uncategorized

Last week Feedspot announced their Top 100 Retirement Blogs List winners, and Annuity Watch USA made the list!

Annuity Watch USA placed number 65 on the list of the Top 100 Retirement Blogs in the world. Read More

The Top 7 Retirement Planning Ages & Why

Thursday, February 2nd, 2017 and is filed under Financial Planning Tips, Uncategorized

Retirement Planning Birthdays You Don't Want to MissWhen planning for retirement, there are ages, or birthdays, that matter more than others and can make or break your portfolio. This is because of IRS rules and penalties like contribution limits, early withdrawal penalties, and eligibility ages, just to name a few of the items among the cumbersome and extensive Title 26 of the United States Code, commonly known as the Tax Code.

The retirement planning ages that you really need to be aware of are 50, 59-1/2, 62 + one month, 65, 66 or 67, 70, and 70-1/2. If you incorporate these ages into your retirement plans, it could substantially help increase your nest egg as well as your retirement income in your golden years. Read More

2017 IRA Changes – What You Need to Know

Tuesday, January 10th, 2017 and is filed under Financial Planning Tips, Uncategorized

2017 IRA Changes and What They Mean for Your Retirement AccountEach new year brings change and 2017 is no different when it comes to keeping up with your retirement savings accounts. Here is what you need to know when it comes to 2017 IRA changes.

IRA Charitable Contributions

After age 70 ½, withdrawals from traditional IRAs are required and income tax may be due on each distribution. However, if you’re age 70 ½ and donate all or part of your distribution ($100,000 max) directly to a qualified charity you won’t owe tax on that transaction. Introduced as a temporary measure in 2006, this ruling was made permanent by an appropriations bill in December 2015. Read More

Pocket More Money in 2017 – KDAF Interview

Wednesday, January 4th, 2017 and is filed under Financial Planning Tips, Uncategorized, Videos

In this KDAF interview, Cathy DeWitt Dunn and Neeha Curtis discuss how to pocket more money in 2017.

Read More

The 401k Confiscation Conspiracy Theory

Monday, January 2nd, 2017 and is filed under Uncategorized

Is the federal U.S. government 401k confiscation an actual plan or is it just merely another conspiracy theory? The truth may worry you.Is the federal U.S. government 401k confiscation an actual plan or is it just merely another conspiracy theory? There have been rumors circulating for years that a government takeover of retirement assets was indeed in the works, but are there supporting facts to back up these rumors?

In a criminal investigation, one of the key elements of that investigation is to determine a motive. In this case, does the federal government have a motive to confiscate the retirement assets of Americans? One simple look at the numbers and a motive is easy to surmise. The U.S. Federal Government is over $19 trillion in debt. Americans have over $24 trillion in retirement assets. The short answer is yes – money is the motive. Read More

Buying an Annuity: A How-To Guide

Monday, December 19th, 2016 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

The Process of Buying an AnnuityIf you are retired or planning for retirement, you may have learned that transferring the burden of generating lifetime income and managing market risk to an insurance company makes a lot of sense. Peace of mind and guaranteed retirement income come through the purchase of an annuity.

But which type of annuity is right for you? Which company should you trust your hard-earned retirement money to? Who has the highest returns with the best income payouts? Where do you even start? Read More

What does the Fed rate hike mean for Americans?

Friday, December 16th, 2016 and is filed under Uncategorized

On Wednesday the Federal Reserve increased its key interest rate by 0.25%, marking the first interest rate increase since June of 2006. According to financial professional Cathy DeWitt Dunn, the Fed is likely to increase rates even further in the coming year. Read More