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Retirement Planning

Are American COWS Being Fattened for the Slaughter?

Robbin Broome

In the last three decades that I have been in the industry, I have never seen change occur as fast and furious as it does today. As a country, we have the highest debt ever with over 19 trillion owed. Our inflation is eating the dollar’s value each year. Unemployment is at its worst, and taxes are increasing at alarming rates. The mortgage industry has just gone through one of the largest bubbles ever, and it is reported that another is on the rise. Our...

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What If You Live Too Long?

Paul Hubbard

One of the burning questions pre-retirees and retirees have on their minds is, “Is my retirement nest egg large enough to last?” This is due to fact that, with the advancements of modern medical technology and the concentration of health and fitness, retirees nowadays are simply living longer. Many have done a splendid job saving over the years in their IRAs and 401ks to ensure a pleasant and peaceful retirement. While this is great news on one hand, it also creates challenges on the other...

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Kissing Market Risk Goodbye

John Jansen and Rob Wolff

It’s the time of life that you have been waiting all your working years to experience. Retirement has finally come, and you can enjoy what you have been working so hard for. But suddenly, a flood of questions stream through your mind: What will happen if the market takes a sudden downturn? How safe are my investments from losing value? Did I save enough to receive income for life? If you are similar to many Americans, then these are questions you have already asked yourself...

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Engineering Your Wealth….Takes a Methodical Approach!

David Gagnon

The probability of achieving your life’s financial goals can be a direct result of how efficiently you manage your financial resources such as savings and investments including expenses, debt and cash flow along the way. There are many moving financial pieces to a comprehensive financial planning puzzle as it relates to savings, investments, taxes, capital purchases (auto, appliances, college funding, etc), personal debt, and mortgages— to name a few. How each asset or liability is handled could either have a negative or positive impact on...

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When is the Right Time to Buy an Annuity?

Randy Floyd

This is a question I get asked a lot in my practice. However, this question is asked for many different reasons. There are several issues this question refers to, and each of them should be answered specifically in accordance with their real, underlying question. At what age should I purchase an annuity? This is a broad question, and will be answered in more detail as we work through some of the others. Generally speaking, most people under the age of 40 should not purchase an...

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Who Is Suggesting Your Annuity?

Cody Lewis

I don’t think I have received more questions or have seen as much confusion as I have concerning annuities and life insurance. For today’s discussion, we are going to focus on annuities – how they’re sold, how they’re bought, and what is important when buying not just annuities, but any financial product or service. The only product that may be more confusing to understand and explain than annuities is life insurance. They are similar in many ways, but most notably that they are both insurance...

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A Look Inside Wall Street

Erick Jon Arnett

So consider this source: I am an independent advisor, and I have been in the industry for 15 years. I have worked for big banks, small banks, a retail brokerage, fledgling hedge fund managers, registered investment advisory firms, and now I am completely independent and objective. I have seen it all and have had exposure to almost every tool or investment product that exists out there. I don’t say this to brag by any means. There are probably far smarter and better experts (as they...

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What If?

Richard Ericson

There are many risks we deal with every single day of our lives. Some risks can be insured; others are uninsurable; and yet others are self-insured, meaning we carry the burden of risk upon ourselves. Risk management is the practice of appraising and controlling risk. Risk can, and should be, profitable for you now, as well as in the future. Are you ready for these risks? What if you become sick, disabled or pass away? What if your spouse dies? What if your car gets...

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The #1 Reason Why the “Bucket Strategy” Isn’t Enough for Today’s Retirees

Mark Lumia

If you are reading this article right now, it is likely that you fall into one of these three categories: 1) You’re retired 2) You will soon be retired and are in the process of planning your retirement 3) You’re a successful professional planning ahead for retirement Regardless of which category you fall into, you’re in the right place. What you are about to learn is extremely important when it comes to building your retirement plan the right way. You don’t want anything falling through...

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The Five Steps to Making Investment Decisions

Mel Brandon

Which came first? Throughout the ages, the question of the chicken or the egg has led to many discussions and even more questions. This article is not about chickens or eggs, but it is about the order that we should think about financial matters. On first introduction, we are often asked, “What do you think of a specific investment, insurance product, or style of investing?” There is only one correct answer to this type of question: “It depends.” The intent is not to be vague...

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