“Savior Retirement” is Now Available for the Benefit of Baby Boomers Across America |
October 24, 2012 |
Annuity Basics, Press Releases, Retirement Planning
Savior Retirement blows the whistle on one of America’s best kept retirement secrets. This book walks the reader through the history of pension and retirement plans, through their evolution into the 401(k)’s, IRA’s, ESOP’s, etc. that we know today, and spotlights the next stage in retirement income. The definition of “savior” is one who saves, preserves, or delivers from destruction or danger. This informative book can certainly live up to its name for many baby boomers who may not feel 100% comfortable and confident in...
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The Tortoise vs. the Hare |
August 12, 2012 |
Annuity Basics, Index Annuities, Jeremy Smith, Member Posts, Retirement Planning
Written By: Jeremy Smith at Amerishield I just finished reading a blogged article titled “What is the Right Age to Buy an Annuity?” In this article the author hypothesized that fixed or indexed annuities need to be held for the length of the contract in order to realize the full opportunity for growth. I strenuously disagree. He also explained that in many of the policies there is a penalty for withdrawing more than the allowed amount during the contract period. In some cases this can...
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You Don’t ‘Buy’ Annuities |
August 2, 2012 |
Annuity Basics, Member Posts, Robert Zimmerman, Your Retirement
Written By: Robert Zimmerman | H&R Advisory Service, LLC Most people are lead to believe that annuities are a purchase –same as buying a candy bar. Or an automobile! The problem is that you can immediately use your sense of touch to evaluate such a purchase. You cannot do this with a bunch of words on a piece of paper. Give up the notion of buying an annuity, and think of it in the same way as you think of having money in a checking...
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5 Ways People Sabotage Their Own Retirement |
July 17, 2012 |
Annuity Basics
There are various reasons why many Americans do not have enough money saved for retirement. The volatile stock market, disappearance of pensions, and high cost of living are certainly culprits. However, these factors do not explain why 12% of women and 7% of men over age 65 live in poverty or the fact that over half of Americans report having less than $25,000 in savings and investments. An article recently published by Kimberly Palmer highlights 5 factors which further address the issues above. In order...
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Understanding Annuity Living Benefit Riders |
July 10, 2012 |
Annuity Basics, Income For Life, Index Annuities, Jeremy Smith, Member Posts
WRITTEN BY: JEREMY SMITH, AMERISHIELD Over the last 15 years, there has been a tremendous change in the quantity and types of annuity riders you can choose during your purchase of an annuity for retirement savings. It is important that you understand how these may benefit you and the fees (if any) to you. Living Benefits Among the most common riders you must determine if you wish at the time of purchase is an Income Rider. There are many different names for these yet they...
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Study Reveals That Most Advisors Favor Annuities For Their Clients |
June 28, 2012 |
Annuity Basics, Retirement Planning
A new study published by LIMRA shows that 55% of advisors believe that annuities should be included in their clients’ portfolios when they have less than $500,000 in investable assets. Given this retirement amount needs to address their clients’ needs for the remainder of their lives, the greatest risk to these clients is outliving their assets. Statistically, they simply do not have enough cushion to self-insure against longevity risk. Also, this study found that 42% of advisors with high-end clients say that guaranteed income products...
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Survey Results: Investors Trust Financial Advisors More Than Primary Doctor or Accountant |
June 14, 2012 |
Annuity Basics
Financial advisors topped the list of trusted professionals in a recent survey published by John Hancock Financial. The survey was conducted by an independent research firm, Mathew Greenwald & Associates, who polled over 1,000 investors with household income of at least $100,000 and investible assets of at least $200,000 this April. The results showed that financial advisors had the highest top score of “trust strongly” among a list of professionals including primary doctors, accountants, contractors/handymen, bosses, and real estate agents. Financial advisors received the “trust...
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The Benefits of Lifetime Income |
June 1, 2012 |
Annuity Basics, Cal Burgess, Index Annuities, Member Posts, Your Retirement
Written By: Cal Burgess, Retirement Servicing Group Today the traditional pension plan, or defined benefit plan, is a dream from the past. Outside of state or federal government jobs the pension is pretty much nonexistent. According to Forbes a 2010 survey by consulting firm, Towers Watson, found that between 1998 and 2010, the proportion of Fortune 100 companies offering pension plans fell from 67 percent to 17 percent. Instead, employees today count on their deferred compensation plan for retirement, which is causing their retirement age...
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Top 50 Annuities |
May 29, 2012 |
Annuity Basics, Fixed Annuities, Index Annuities, Variable Annuities
Since interest rates remain at a low without an immediate end in sight, Americans are looking under every rock to find the best possible solution to their retirement needs. A recent article on Barron’s written by Karen Hube titled Top 50 Annuities provides some insightful details on annuities. Not only does she describe the various types of annuities, but she also provides a list of top variable annuity, fixed indexed annuity, and longevity insurance products that are currently available for a subset of customers. If...
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10 Things You Should Know About Social Security |
May 2, 2012 |
Annuity Basics, Retirement Planning
For most Americans, Social Security plays a significant role in the formation of a plan for retirement. A majority of us know the generalities of what it is and what it provides, but many are unaware of some important intricacies which can boost your overall return if planned for properly. I just came across an educational article posted by Kelly Miller called 10 Things You Should Know About Social Security. It provides insightful answers to some common asked questions. If you find yourself asking any...
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