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How to Retire Successfully in a Constantly Evolving World

Joshua Samander

Our world is changing faster than it ever has before, giving the middle American retiree tremendous challenges in retirement income planning. With this change comes volatility in the markets, meaning retirement accounts and investments are subject to major losses that are out of their control. But market volatility isn’t the issue within itself.  When we dive deeper, we realize that markets have always risen over time — the key word here is time. Retirees simply don’t have the time to wait for their accounts to recover....

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Is Investing as Difficult as Wall Street Makes It Seem?

Keith Beggs

If you have met with a financial advisor from one of the big Wall Street firms in the last few years, you might have walked away with a binder full of charts, hypotheses, forecasts, back-testing, and God only knows what else. What is the purpose of all of this? Do they expect you to go home and review this and come back with questions? No. The purpose, in my opinion, is to overwhelm you. It seems as if they want you to feel financially ignorant...

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3 Reasons Why Annuity Purchases Are Increasing

Mike Riedmiller

Fixed rate annuity purchases (which includes fixed indexed annuities) could potentially increase by as much as 35% over the next five years, and variable annuity purchases by 15%, according to the LIMRA Secure Retirement Institute (LIMRA SRI). Over the last few years, there have been over $200 billion annually in new annuity purchases. Over one million Americans own over $1 trillion in annuities. In light of these numbers, it would seem that both accumulation- and income-focused annuities will lead the way. The numbers speak for...

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A Decision For Bob And Sue

Joshua Samander

Let me tell you about a couple named Bob and Sue, who are just like you and me. They have worked hard for many years and have saved a nice chunk of change to help them enjoy retirement. For example purposes, let’s say they retire at age 65 with $500,000 in the bank. Their No. 1 concern is simple: How long will their money last at their current lifestyle? Since their work income stopped, what is the best way to invest their remaining money? These...

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Why Fixed Index Annuities Are Gaining Popularity

Mike Riedmiller

“Stocks take the stairs up and the elevator down.” The volatility and risks that the stock market can bring is no secret. A number of different things can trigger a rapidly declining stock market, from negative economic news and political turmoil to world events and misinformation. Market risk may not mean as much to someone younger and regularly contributing to their retirement account. A declining stock market can even be an opportunity to contribute more money at lower stock prices. However, as someone nears retirement,...

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Look Out For These 6 Annuity Myths

Mike Riedmiller

There is a lot of interest in annuities and how they can be part of a solid retirement plan, which shouldn’t be a surprise, given the volatility we can experience from the stock market at any given time. Many people are earning low interest rates from their savings and CDs, there are more questions than ever about the future of Social Security, and many employers no longer offer pensions. It’s no wonder annuities are a growing financial product for many. While annuities are a good...

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WARNING: Your Variable Annuity Might Not Be What You Thought

Mike Riedmiller

Annuities can offer a number of attractive features for people who are currently working, approaching retirement, or already retired. Each year, Americans purchase billions of dollars of new annuities; they can be a big part of a solid retirement plan. People choose to add an annuity to their investment portfolio for several reasons, including: 1. Potential upside growth of their money. 2. Lifetime income, either immediately or in the future. 3. Tax-deferred growth.   There are many additional benefits that annuities can offer when structured...

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It’s the Cash Flow, Folks!

Knowel McGraw

At Vivid Financial Group, we focus on the cash flow, because that’s what many retirees live on: monthly cash flow, not growth. Since 1990, I have worked with families to help them retire. The No. 1 question the retiree needs to be answered is how much income they can generate safely and reliably every month. Unfortunately, growth gets all the headlines, but unless that growth gets locked in, many folks will give it all back during a downturn and never get a chance to spend it. When you...

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What exactly is a Fixed Index Annuity?

Jeff Jones

I’m amazed at the number of people who understand so little about annuities. For 25 years, I have quizzed prospects and clients of their knowledge and perceptions of annuities. Some people claim, “Annuities are evil and should be banned,” while others have named their firstborn after these popular products. Life insurance is designed to protect a client’s financial dependents in the event of said client’s premature death, thus helping to protect loved ones from financial loss. Annuities are the upside-down version of life insurance and...

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How You Can “Lock In” All-Time Highs in the Stock Market With Fixed Index Annuities

Mike Riedmiller

As we approach the end of 2017, the stock market has been achieving all-time highs. This is very interesting since some people were calling for the stock market to crash this past year due to a number of factors. Of course, this crash did not happen. This has left many retirees and people approaching retirement with some important questions: 1. Is now the time to take some of my money out of the stock market? 2. Should I invest (risk) more money? 3. Should I...

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