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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

Retirement Planning ChecklistDo 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.

Without a retirement planning checklist or detailed plan in place, it is extremely difficult to feel confident about retiring. You can’t have confidence in something that doesn’t exist.

Did you know that only 18 percent of the American workforce feels very confident in their retirement plan? Read More

Annuity Payout Rates

Friday, June 2nd, 2017 and is filed under Annuity News, Retirement Income Annuities

Annuity Payout Rates Explained by Annuity Watch USAIn our last article, we talked about growth guarantees that help maximize the income value of Fixed Index Annuities. With income in mind, let’s shift our focus to annuity payout rates.

One of the most important things to look for when considering the purchase of a fixed index annuity is the annuity payout rate. Why? The payout rate is the #1 key to maximizing your retirement income potential. So, you’ll want to get a solid grasp on the concept of payout rates, but if you have any questions that are not answered in this article, please contact us for more info and we’ll be glad to help. Read More

Annuity Growth Rate Guarantees

Thursday, May 18th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Annuity Growth Rate GuaranteesSo far in our series on retirement annuities, we have discussed many aspects of annuities, especially the fixed index annuity. We have covered the four types of annuities, fixed index annuity basics, principal protection, and multiple annuity crediting methods including point to point, monthly sum, and monthly average. Next, in our series, we will discuss annuity growth rate guarantees.

Over the past several years we have seen the stock market go pretty much all over the map…everywhere from 50% downturns to record highs…and everywhere in between. And who knows where it’s going to go next?! 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

Retirement Annuity Crediting Methods – Monthly Sum

Monday, April 17th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Retirement Annuity Crediting Method - Monthly SumIn our series on retirement annuities, we have previously covered the four types of annuities, fixed index annuity basics, principal protection, and one of the types of annuity crediting methods – the point to point annuity crediting method. In this article, we will discuss another crediting method called monthly point to point, which is also known as monthly sum crediting. 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

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

5 Retirement Planning Tips to Secure Your Golden Years

Tuesday, August 2nd, 2016 and is filed under Financial Planning Tips, Retirement Income Annuities

Retirement Planning TipsEveryone is unique and so are retirement plans. A good retirement plan is fashioned specifically for an individual or family, so to cover all the options in one article would be next to impossible. In light of that, we’ve put together and elaborated on five retirement planning tips to help you secure your golden years. Read More

Is Phased Retirement Becoming the New Norm?

Thursday, December 17th, 2015 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Phased RetirementDespite the initial interest in joining the workforce that comes with a new college degree and what seems like endless possibility, it all has to come to an end eventually. As decades of work pass, many people come to look forward to retirement, relishing in the idea of enough free time to travel, volunteer, and take up new hobbies. Historically, retirement has been a single event in which a traditional job is abandoned and a new period begins, but today, many people are easing into retirement slowly, reducing hours and time commitments while adapting into a new lifestyle. This transition, known as phased retirement, is growing in popularity across the world, providing a way to test the waters of retirement. Read More

What’s Wrong with Annuities?

Thursday, August 20th, 2015 and is filed under Annuity News, Retirement Income Annuities

What's wrong with annuities?Let’s just get it out in the open. Annuities have a reputation for being the bad boys of the investment world. And, not in a good, Marlon Brando kind of way. For many, the word “annuity” conjures up visions of evil insurance agents lurking around every corner ready to pounce on little old ladies and their pension funds.

It’s really a shame that annuities have such a bad rap because not all annuities are created equal. And, given the recent market volatility that has done a number on many people’s retirement savings, fixed index annuities deserve a good hard look. Read More