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

Advice: Choosing a Lump-Sum, Monthly Pension, Or a Bit of Both

Traditionally, employees who took part in an employer-sponsored retirement plan, or pension, had just two choices when it came to disbursement: a lump-sum payout or a monthly pension/annuity. Recently, the Internal Revenue Service (IRS) and the Treasury Department helped create a third option, allowing retirees to blend the two previous choices into one. According to a recent article from MarketWatch, those who choose to adopt the new rules can offer their workers a chance to take distributions... Read More

Income Annuities Help Eliminate Sequence of Returns Risk

A lot of Americans face the possibility of having to fund a retirement that lasts thirty years.  It can be difficult without a pension and with a Social Security system being pushed to capacity.  But it is possible to save enough money and make sure that money lasts for as long as you live.  U.S. News & World Report told us "How Retirees Can Build a Portfolio for the Next 30 Years" in an article by Kate Stalter.  There are two things you have to focus on to make this happen.  You need... Read More

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