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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

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

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

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

Rising Healthcare Costs Draining Retirement Savings

Tuesday, May 3rd, 2016 and is filed under Uncategorized

Cost of HealthcareThere’s no way around it: healthcare is becoming increasingly more expensive in the United States. With the rapidly changing insurance landscape driven by the so-called Affordable Care Act (Obamacare), millions of Americans, and retirees in particular, are spending more and more on healthcare costs, dipping into retirement savings far ahead of schedule just to cover basic medical expenses. Without appropriate savings, it only takes a few unwelcome surprises to drain the money you earmarked to carry you through retirement. Read More

7 Retirement Planning Mistakes You Should Never Make

Wednesday, February 10th, 2016 and is filed under Retirement Income Annuities, Uncategorized

Retirement Planning MistakesIn preparing for retirement, especially when the end of your career seems a long way off, it’s easy to put your planning aside for another day. For many individuals, however, retirement often sneaks up faster than anticipated, and starting the planning process too late in the game can have dire consequences. Whether you’re a few years from retirement or just entering the workforce, make sure to avoid these seven retirement planning mistakes. Read More

The New Retirement Age Should Be…

Tuesday, February 2nd, 2016 and is filed under Uncategorized

New Retirement AgeRetirement age is a hot topic in the United States, especially as the Baby Boomer generation continues to transition out of the workforce. Although great in its inception, the Social Security program is no longer able to work as it was originally intended; as life expectancies increase, births decrease, and a large generation ages into retirement, the gap between money coming in and money going out continues to grow. 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

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

7 Top Retirement Regrets

Wednesday, December 2nd, 2015 and is filed under Annuity News, Uncategorized

Retirement RegretsWhether you’re eagerly looking forward to retirement or dreading a life without work, the end of your career is inevitable. For many people, the moment a job of many years ends is a bittersweet yet joyous occasion, but for others, this initial happiness may soon be overshadowed by regret.

Planning for retirement isn’t exactly a science, but inadequate preparation can lead to negative emotions after making the decision to retire. While it’s not possible to anticipate everything that may arise once you close your office door behind you, acknowledging these top seven retirement regrets now can help make sure that the last decades of your life will be smoother sailing. Read More