The stock market has declined by 50 percent TWO TIMES in the past 20 years. If money equals security, is that where you want your money invested?Continue reading » If Money Equals Security, Should you really have all of Your Money in the Market?
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Essentially, most investors pay 1 percent per year or more in annual management fees to their brokerage firms and advisors in an effort to get those individuals to grow their money and help them accumulate money for retirement. However, once they are in retirement, they continue to pay the 1 percent per year to have an advisor grow their money. The thing that many don’t receive, but long for from that 1 percent is peace of mind that they will never lose money.Continue reading » What Does Peace of Mind Really Have to Cost You?
When you own a fixed index annuity, you participate in stock market gains, but you don’t participate in stock market losses. That’s because you’re not actually in the stock market. Your interest is paid to you based upon stock market gains using what’s referred to as a crediting method.Continue reading » What is a Crediting Method on an Index Annuity and How Does it Work?
People often feel overwhelmed and left in the dark as to what their options really are when it comes to grappling with financial terminology and concepts.Continue reading » When it Comes to Your Money, You’re Smarter Than You Think
If you knew how to guarantee your money against losses, earn a reasonable rate of return and never lose money, would you share this cure for market losses with your friends?Continue reading » If You Knew the Cure for Market Losses, Would You Share It?
Annuities today aren’t what they used to be. Historically when people hear the word “annuity,” they associate it with their insurance company keeping their money when they pass away and their beneficiaries getting nothing. That’s called an immediate annuity, or, annuitization. That is your parents annuity — or in other words — the old method.Continue reading » This Isn’t Your Parents’ Annuity
When it comes to having to protect your money, there are several ways you can reduce your risk of loss.Continue reading » 3 Ways to Protect Your Money Against Market Losses
A recent survey revealed that 86 percent of people asked were more afraid of running out of money than they were afraid of dying.Continue reading » The Number One Fear: Running Out of Money
When it comes to working with a wealth manager or financial advisor, you’re going to want a specialist.Continue reading » Jack of All Trades, Master of None
Did you know that the federal government, specifically the IRS, is a partner of yours in retirement when you have a 401K or IRA? When you turn 70.5, the government forces you to start taking distributions out of your 401K or IRA so that they can start taxing you on those distributions to get your money. These are known as required minimum distributions.Continue reading » Required Minimum Distributions: What and Why