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When An Annuity Makes Sense

For those approaching retirement, there are few things more unsettling than a volatile stock market. With the recent wild market swings, conversations between investors and advisors often revolve around protection options, reducing risk and establishing a guaranteed source of income. Because many investors experienced double-digit growth in their portfolios in recent years, now might be the best time to discuss and explore annuity products that provide certainty and guarantees. Annuities... Read More

Retirement Strategies: Annuity or IRA?

If you’re at all interested in saving for retirement, there’s a really good chance you’ve heard of both annuity products and IRAs. While they are two totally different tools, they have several commonalities. Both can generate income later in life and offer some potential tax advantages. But both also include penalties for early withdrawals. These two financial products also have several differences, which is what should interest you if you’re looking to add one to your retirement... Read More

Bonds vs. Annuities: New Research Seems to Settle the Debate

Most investors have three goals when it comes to their money: they want growth, safety and liquidity. Finding an investment that provides all three is near impossible and therefore one of the biggest challenges in financial planning. For those nearing retirement, finding the right portfolio balance becomes even more important. It requires discipline in both diversification and asset allocation, a concern that often falls by the wayside when the stock market is consistently strong, like in 2017.... Read More

Rebalance and Shelter Your Portfolio With a Variable Annuity

One of the biggest problems facing investors is reducing equity exposure on assets outside of retirement plans while minimizing the tax impact usually triggered by such portfolio reallocations. According to a recent article from ThinkAdvisor, some of the more common strategies for dealing with this situation include tax-loss harvesting, making a charitable donation using appreciated stock, and a more complex plan of using options to build an insurance overlay on the portfolio. These strategies... Read More

Turning Retirement Savings Into Income

One of the biggest fears in retirement is running out of money. Many people strive to save for most of their working lives, but turning that savings into actual income is a different story. Here’s a look at some of the most common retirement income strategies, as well as the pros and cons of each, according to a recent article from Forbes. The 4% “Safe” Withdrawal Rate This traditional approach involves withdrawing about 4% of the initial value of your retirement savings and... Read More

Annuity Laddering and Your Retirement Savings Strategy

Concern over outliving retirement savings is very legitimate as life expectancies continue to lengthen. One method of providing peace of mind over this worry is through annuity-laddering. Annuity products can help provide a lifelong cash flow, but because they often can be illiquid and relatively expensive, they aren’t for everyone. Here’s a more in-depth look at this financial strategy, from the financial experts at Financial Planning magazine. Annuity ladders come in a variety of... Read More

Deciding Between a Lump Sum or an Annuity? Read This First

A recent study has discovered that retirees who opt to take a lump sum instead of a guaranteed monthly annuity from their defined benefit or contribution plan could be  making a big mistake. According to a recent BenefitsPRO.com article, the MetLife Paycheck or Pot of Gold study found that 21% of respondents who opted for a lump sum say they’ve already spent all of their money. Worse still, of that 21%, the average time it took to blow through that money was just five and a half years.... Read More

Can an Annuity Replace Your Pension?

Traditionally, pensions have provided individuals with the peace of mind of a steady income stream in retirement. And while some employees still have a pension to lean on, many private-sector workers can no longer rely on one.   According to a recent article from Forbes, a  study from Towers Watson found that from 1998 to 2013, the number of Fortune 500 companies offering like pensions, dropped 86%, from 251 to 34. The major indicated factor behind the change has been cost. With life... Read More

You Might Want An Annuity If…

It’s no secret that annuities have a bad reputation as retirement savings tools. Some annuities have high fees, many are extremely difficult (and costly) to liquidate if you need your money and the complexity of them often makes the heads spin of even the most experienced investors. Yet, given even these not-so-glorious attributes, some annuities are absolutely worth exploring. Here’s a list of a handful of scenarios where annuities would be great financial tools, according to a recent... Read More

Annuities and Roth IRAs: A Dynamic Duo

For some investors, the capital commitment, tax treatment and complexity are enough to keep them from looking into purchasing an annuity. And or some, it isn’t a wise option, especially as a standalone product. But when combined with a Roth investing strategy, an annuity investing strategy can make a lot of sense. A recent article from ThinkAdvisor detailed the dynamic relationship between a Roth IRA and an annuity. Here’s a brief summary. For the right client, adding a Roth IRA into an... Read More

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