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Income For Life

Does Your Annuity Lose Money from Inflation?

Does Your Annuity Lose Money from Inflation?

Written by Leonard Ohanian L.U.T.C.F All you baby-boomers or soon-to-be retirees depending upon a supplemental income to their Social Security retirement benefits are searching for financial ways to enhance their long and rewarding life. Many consider annuities as an option for this purpose. A terrific idea….but, did you know that the annuity you buy as a way to supplement your retirement income may be losing money due to inflation? As you know, annuities are insurance agreements issued by a company who promises a fixed dollar...

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Does your bank offer a ‘benefit’ account?

Does your bank offer a ‘benefit’ account?

Written By: Robert Zimmerman | H&R Advisory Service, LLC Regularly, we receive an offer of $100 or $150 in the mail by a bank as an incentive for us to open a ‘high yield’ savings account.  The high yield could amount to an interest rate of around 1%.  The offer does not mention that they will also send along a 1099 form every year at tax time.  This informs the IRS of how much interest you received, so that they can participate. More and more,...

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Is the 4% Rule Dead?

Is the 4% Rule Dead?

Written By: Mark MacDonald | Sage Financial Partners Listen carefully. Do you hear it? The doleful sound in the distance is a bugler playing taps. He’s mourning the demise of the 4% Rule. May it rest in peace. For decades, the 4% Rule was the benchmark adopted by financial planners to determine how to take retirement fund distributions in a way that would: a)  Maximize your retirement income b)  Protect you from running out of money for at least 30 years The 4% Rule was...

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What Everybody Ought To Know About “Safe” Portfolio Withdrawal Rates

Carl Ostenson

If you are fed up trying to figure out how much money you will be able to retire on, just sit down right now and read this critical material. Are these situations familiar to you? You keep your money in mutual funds, but you are really worried about losing money again You are faced with the issue of needing income to supplement your Social Security after you retire Are you grappling with having so many different decisions to make? MORNINGSTAR has recently completed a comprehensive...

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How To Avoid The Next Market Crash!

Carl Ostenson

Written By: Robert Zimmerman | H&R Advisory Service, LLC Were you there in 1987 when the market dropped over 20% in one day?  Were you among those who watched awestruck while the stock prices streamed across the screen? Did you participate in 2007 when the market dropped over 50% over a period of months? Many people are still frightened by the idea of going back into the investment scene and are willing to accept the low interest rates offered by government bonds or bank accounts...

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What’s the Best Way to Get Income from Your IRA or 401k after You Retire?

Carl Ostenson

This is kind of like asking “Who makes the best pizza in Chicago?”, Ask 5 people and you are bound to get 5 different opinions. So let’s look at 3 common ways that people get income from their retirement accounts. We’ll also look at the Pros and Cons of each, and then you can decide. 1)  Put your money in the bank and live off the interest This is the most conservative approach. Many seniors who remember hard times seem to go with this one....

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Why You Might Need The Insurance Company

Carl Ostenson

Written by: Greg Marchand of Marchand Financial Services, Inc I don’t know if I agree with Jack Nicholson.  I think you can handle the truth, I just don’t think you can handle the risk.  We should all understand what the goal is.  For me and my clients, the goal tends to be, having adequate income when they quit working.  To sustain the type of lifestyle they desire.  I find that, if we are too anxious about reaching that objective we may be willing to believe...

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Is Now the Time for Annuity’s Perfect Storm?

Carl Ostenson

Written By: Jeremy Smith | Amerishield Last night I watched the movie “The Perfect Storm” the remake of the fishing vessel Andrea Gail that got caught in the Perfect Storm of 1991. According to actual news reports from Gloucester, MA, a northeaster’s giant tides and gale-force winds blindsided Cape Ann on Oct. 30, 1991, leaving a path of destruction that demolished homes, devoured waterfront property and sank the Andrea Gail vessel with all six hands lost at sea. When the winds started blowing on Monday,...

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Personal Fiscal Cliff Protection

Carl Ostenson

As the media outlets have recently been highlighting, Congress is on the hook to work together in forming a plan to keep our country from going over the fiscal cliff… this fiscal cliff is referring to the impact of current laws which could result in sizeable tax increases and spending cuts if left unchanged. An equally important fiscal cliff that has unfortunately not been getting as much publicity is the potential personal fiscal cliff that retirees without a pension plan or any other guaranteed lifetime...

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Survey Results: Annuities Considered Critical to Retirement Strategy by Investors in 2012

Carl Ostenson

A recent survey has shown that a much greater percentage of investors consider annuities to be a critical part of a retirement strategy in 2012 compared to the same survey in 2011. This survey is titled “The Evolution of the Annuity Industry”, and it was produced by Cogent Research and Insured Retirement Institute with a core goal to examine the opinions and preferences of annuity producers and investors. In this most recent survey, 73% of the annuity owners stated that they are more likely than...

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