Call Us Today!  (972) 473-4700

Expert retirement income planning for families and individuals nationwide

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

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

Understanding the 59 1/2 Rule for IRA Withdrawals

Wednesday, July 1st, 2015 and is filed under Financial Planning Tips, Uncategorized

59 1/2 RuleRetirement accounts come in many forms and offer numerous benefits, ranging from tax breaks to tax-free growth throughout the formative years of your career. Individual Retirement Accounts, better known as IRAs, can provide extensive advantages after the conclusion of employment. Millions of Americans take advantages of IRAs, but this doesn’t mean that they understand how they work.

Many people believe that once retirement hits, retirement accounts are accessible free and clear. This, unfortunately, isn’t the case. There are many rules that govern access to IRA accounts, with age being one of the most important factors in distribution. Read More

6 Retirement Planning Pitfalls to Avoid

Wednesday, June 3rd, 2015 and is filed under Annuity News, Financial Planning Tips, Uncategorized

For anyone who is preparing for retirement, maybe you’re not sure where to begin, or you made a budget a few years ago and haven’t followed up on it. Use these key areas to help you get on track with your retirement goals and to avoid falling into retirement planning pitfalls. Read More

Questions to Ask BEFORE Buying An Annuity

Monday, December 8th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Annuity Contract QuestionsChoosing the right annuity to help support your retirement income needs can be confusing and a little intimidating especially when so many different kinds of annuities offer such a dizzying variety of contracts. To help simplify the process, here are six questions to ask before buying an annuity, regardless of whether it is variable, fixed, or indexed:

1. Should you put your money in an annuity or something else like a mutual fund? Read More

401K Rollover Questions Answered

Friday, January 4th, 2013 and is filed under Retirement Income Annuities, Uncategorized

“I’ve been laid off. What’s going to happen to my 401k?”

401K Rollover Questions AnsweredThe Employee Retirement Income Security Act of 1974 (ERISA) protects the assets of millions of Americans so that funds placed in retirement plans during their working lives will be there when they retire. This means that you are entitled to all of the money you’ve contributed into your 401k. In addition, your tenure determines how much of your former employer’s matching contributions you are entitled to. Chances are you are 100% vested if you have worked at the same place of employment for a few years. Read More

59 1/2 – The Magic Age for Retirement Income Planning

Wednesday, March 28th, 2012 and is filed under Safe Money Talk Radio Podcasts

When most people hit the magic age of 59 ½, retirement is just a few years away… and it’s time to get serious about putting a plan in place that provides guaranteed retirement income––income you can’t outlive.

However, it’s just as important to protect your assets from any losses! Your safe and secure retirement will depend on it. That’s where a Fixed Index Annuity comes in. Read More