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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

Multiple Retirement Accounts – Think Outside the 401k Box.

Wednesday, March 1st, 2017 and is filed under Annuity News, Retirement Income Annuities

Though saving with a 401(K) is easy and you get a tax break, there is also something to the adage that it is possible to have too much of a good thing. Here are three good reasons to think outside the 401k box: Read More

Average Retirement Savings: What’s Right For You?

Monday, January 23rd, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Average Retirement SavingsIt doesn’t matter how much money you’re making right now if you don’t put any of it away for retirement. Average retirement savings show that most Americans are about to find out the hard way that they have not saved enough for retirement… not by a long shot.

The average median working age couple only has $5,000 saved for retirement. That likely wouldn’t even cover unexpected medical expenses, much less twenty to thirty years of retirement expenses. 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

The Government 401k Takeover Possibility

Monday, December 12th, 2016 and is filed under Uncategorized

The Government 401k Takeover PossibilityIs a federal government 401k takeover a real possibility? One look at the numbers shows that such a play is tempting indeed. The U.S. Federal Government is over $19 trillion in debt. The total U.S. retirement assets in the first quarter of 2016 reached an astonishing $24.1 trillion, enough to pay off the entire national debt with change left over. So a better question would be, “why wouldn’t the federal government consider a 401k takeover?”

There are plenty of examples of the federal government trying to get into the retirement planning business. Let’s examine a few of those efforts. Read More

As the World Turns: Investment Advice for Women at Every Stage of Life

Thursday, November 17th, 2016 and is filed under Financial Planning Tips, Uncategorized

As the World Turns: Investment Advice for Women at Various Stages in LifeWomen lead enriched and diverse lifestyles these days, and funding those lifestyles can be challenging. Various options are offered to defer earnings and build wealth to see a woman through the many stages of her life. Consulting with financial experts is helpful, but there are some basic steps every woman should take to build her personal financial portfolio. Read More

3 Challenges to Retirement Security Success

Monday, July 11th, 2016 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

3 Challenges to Retirement SecurityAmericans today are woefully unprepared for retirement. A 2016 study by the Economic Policy Institute showed that around half of Americans do not have a retirement plan at all and have absolutely nothing saved for retirement. This paycheck to paycheck lifestyle is but one of many challenges to retirement security. In the following, we will examine three of the top challenges to retirement security and offer possible solutions in an effort to draw back, even a few, from the precipice of retirement disaster. Read More

Retirement Confidence Down in 2016

Thursday, April 7th, 2016 and is filed under Annuity News

Retirement Confidence Under ConstructionRetirement planning is a tricky thing. With so many moving pieces and parts, there’s no one solution that works for everyone. As such, many American adults are not fully confident in their financial security throughout retirement, creating a serious life stressor for millions of workers across the country. Read More

2016 Retirement Plan Deadlines You Can’t Afford to Miss

Monday, January 11th, 2016 and is filed under Financial Planning Tips, Uncategorized

Retirement Plan DeadlinesRetirement planning, while necessary, can be extremely overwhelming. With so many moving pieces and parts that make up the core of your strategy, staying on track takes a significant amount of time and attention to detail. Missing a retirement plan deadline or cutoff may not seem so significant in the present, but a few skipped contributions or enrollment periods can severely impact the success of your financial position in retirement. In order to make the most of what a new year can mean for your future, these nine retirement plan deadlines in 2016 should be at the top of your to-do list. Read More

IRS Announces 2016 401(k) & IRA Changes

Monday, November 2nd, 2015 and is filed under Annuity News, Uncategorized

401k Limits 2016With the promise of a new year comes many things: resolutions, a chance to start over, and, of course, new tax legislation. The Treasury Department announced its inflation-adjusted limits for retirement account contributions, phase out limits, and available deductions for 2016, providing new guidance for Americans in the important retirement planning phases.

Despite hopes of expanded limits and additional savings possibilities, the IRS is not doing taxpayers any favors. With the cost of living index not rising enough to trigger limit increases, many thresholds will remain the same year over year. Read More