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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

Is Obama’s myRA the cure for Ailing Retirement Savings Rates?

Thursday, March 27th, 2014 and is filed under Retirement Income Annuities, Uncategorized

obama-myra-retirement-savings-planWith the familiar stroke of a pen, President Obama directed the Treasury Department to establish new retirement savings accounts aimed at workers with limited access to traditional retirement accounts. The signature formalized a proposal unveiled during the president’s 2014 State of the Union Address. Dubbed “myRAs,”—an acronymic mash-up of “My” and “IRA”—the accounts will kick-in for those making less than $191,000 a year whose employers do not offer retirement plans such as 401ks.

The Plan in Action

The myRA works like this: account holders contribute after-tax income to invest in Treasury bonds and any investment gains and withdrawals are tax-free. Bonds in myRA accounts will offer the same variable interest-rate return as those federal employees get when they enroll in the Thrift Savings Plan Government Securities Investment Fund. Read More

Fixed Annuity Sales Skyrocket As Consumers Seek Safety

Tuesday, January 14th, 2014 and is filed under Retirement Income Annuities, Uncategorized

retirement-planning-with-annuitiesThe popularity of annuities – especially fixed index annuities – with people planning for retirement is on the rise. Americans are living longer and longer, so guaranteed lifetime income is essential to the success of any retirement plan. Since the vast majority of employers have eliminated pensions, understanding the benefits of fixed index annuities is more important now than ever before.

It is estimated that only about 20% of American workers currently have a pension plan. Most employers, if they still offer any kind of plan, have shifted to defined contribution plans, such as 401ks. Why? Transfer of risk. Read More

Seniors living longer – will your retirement savings last? [Video]

Friday, May 24th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

According to the Pew Research Center, 10,000 Baby Boomers will reach the retirement age of 65 every day until 2030. However, seniors are living longer lives than when the retirement age was set in the 1930’s.

When social security was implemented, the average life expectancy for men was 58 and 62 for women. Today, that average has risen to 76 for men and 81 for women and yet the retirement age remains at 65. The question that must be asked is will your retirement savings last throughout your retirement years? Read More

Is Obama a retirement expert too?

Monday, May 6th, 2013 and is filed under Retirement Income Annuities, Videos

Government SolutionsAccording to recent reports, the proposed budget by the Obama administration contains plans to limit the size of your IRAs. Apparently, President Obama believes he knows better than you do how much money is a “reasonable” amount to fund your retirement.

Meanwhile, this administration continues to spend money far beyond what most Americans consider to be reasonable on a daily basis. Read about Vice President Biden’s recent trip to France in my full article here!

You may be wondering, “Why would the government want to limit how much I can put in my IRA?” The answer is simple….tax revenue. Read More

Inflation-Protected Income Analysis

Monday, April 22nd, 2013 and is filed under Retirement Income Annuities, Uncategorized

The Fed says not to worry about inflation but … The Fed doesn’t live on fixed income

With the market booming…then dropping mid-April 2013…there has been plenty to talk about regarding how best to take advantage of market highs while protecting against market lows. However, with so many fixated on market performance, fears about inflation have seemingly dropped off the “let’s all worry about this” radar. Read More

Obama Budget Caps IRAs at $3 Million

Thursday, April 11th, 2013 and is filed under Retirement Income Annuities, Uncategorized

It is being reported by The Hill, U.S. News, Bloomberg and other reputable news sources that President Obama’s soon to be released budget proposes a $3 million “limit” to the amount an individual  can put aside in tax deferred retirement savings like 401Ks and IRAs.

In a recent article posted on The Hill titled, “Obama budget to take aim at wealthy IRAs“, a senior administration official stated, “wealthy taxpayers can currently ‘accumulate many millions of dollars in these accounts, substantially more than is needed to fund reasonable levels of retirement saving.'” Let that sink in for a moment, “substantially more than is needed to fund reasonable levels of retirement saving.” Read More

A Fixed Index Annuity Solves the 7 Biggest Retirement Fears (Video)

Wednesday, January 30th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

Find out how a fixed index annuity can solve the 7 biggest retirement fears of the Baby Boomer generation! Safe Money Talk Radio’s fixed index annuity experts, Cathy DeWitt Dunn and Matt Redding discuss the seven biggest retirement fears faced by seniors today…and how a fixed index annuity may be able to help you sleep better at night. Read More