Nina Avery Archives - Annuity 123 : Annuity 123

Protect What’s Yours

Protect What’s Yours | July 16, 2013 | Income For Life, Index Annuities, Member Posts, Nina Avery

Written By: Nina Avery, CFP®, in Orlando, FL Annuities are a great way to safeguard your hard earned money. They also offer several options, any of which can be tailored to your individual needs with regard to immediate income, fixed rates like CDs, upside potential without market risk, guaranteed lifetime income and spousal benefits. If you are looking for safety of principal, guaranteed returns and guaranteed lifetime income; educating yourself about annuities is definitely worth your time. Here is a brief discussion of two of...

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Do Americans Really Understand Their 401(k)s?

Do Americans Really Understand Their 401(k)s? | June 10, 2013 | 401k and IRA Blogs, Member Posts, Nina Avery, Your Retirement

Written By: Nina Avery, CFP® | Avery Safe Money Solutions “Today’s Rude Opinion Poll: Which description best characterizes our elected representatives in Washington, regardless of party affiliation? They are hapless boobs, constantly passing laws that contradict each other. They are scheming miscreants, relentlessly seeking new ways to increase taxes and spend more of our money.” Scott Burns opines in his 2007 article “In 401(k), Employers Really Contribute to the IRS” featured in The Dallas Morning News. He goes on in his article to point out...

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Taxes Are On Sale And You Can Save Thousands By Paying Them Now

Taxes Are On Sale And You Can Save Thousands By Paying Them Now | May 15, 2013 | Member Posts, Nina Avery, Retirement Planning

Written By: Nina Avery, CFP® | Avery Safe Money Solutions You may find it hard to believe that taxes are currently at historically low rates. You may find it harder still to believe that your traditional qualified retirement plan (IRA, 401k, 403b, etc.) is a tax bomb waiting to happen. “Conventional wisdom” advises delaying or postponing paying taxes – you might know this as deferring – but the truth is, you are not just postponing the tax, you are also postponing the tax calculation. You...

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Turn Your 401-K Plan Into A “Pension” With Guaranteed Lifetime Income

Turn Your 401-K Plan Into A “Pension” With Guaranteed Lifetime Income | May 3, 2013 | 401k and IRA Blogs, Member Posts, Nina Avery, Retirement Planning

Written By: Nina Avery, CFP® | Avery Safe Money Solutions Someone once told me the traditional pension had gone the way of the dodo. I found the reference odd at the time and I find it odd that I can still hear those words so clearly all these years later. Why are traditional pensions practically extinct? Traditional pensions are expensive and a huge liability to a company. Administration and management are hard costs that cannot be negotiated and risk is ever present. There are just...

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Protect The Ones You Love And Create A Secure Retirement At The Same Time

Protect The Ones You Love And Create A Secure Retirement At The Same Time | April 19, 2013 | Income For Life, Life Insurance, Member Posts, Nina Avery

Written By: Nina Avery, CFP® | Avery Safe Money Solutions A week before my dad died he asked me to create a plan for him that would protect my mother. My folks had the standard term policies when they were younger to protect each other, the house and us girls. But when those ran out, as term policies ALWAYS do, there was no more insurance. When the idea came back around that life insurance was the best way for my dad to protect and take...

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Why You Need To Crush Your Debt To Secure Your Retirement

Why You Need To Crush Your Debt To Secure Your Retirement | April 9, 2013 | Member Posts, Nina Avery, Retirement Planning, Your Retirement

Written By: Nina Avery, CFP ® | Avery Safe Money Solutions Einstein called compounding interest the eighth wonder of the world – if you are earning it. If you are paying it, it can quickly become a nightmare. Heard of the rule of 72? It is a basic calculation that lets you know approximately how long it will take to double your principal based on the interest rate being applied. If you are earning – it’s AWESOME. If you are paying – it’s SCARY. Let’s...

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Could A Stock Market Correction Affect Your 401-K And Destroy Your Financial Future?

Could A Stock Market Correction Affect Your 401-K And Destroy Your Financial Future? | April 4, 2013 | Index Annuities, Member Posts, Nina Avery

Written By: Nina Avery, CFP ® | Avery Safe Money Solutions Sound overly dramatic? Maybe not, if your retirement is overly reliant on market driven investments like a 401-k. It’s not like the old days when companies handled the risk and responsibility of generating a lifetime retirement income by providing pensions for their employees. Those days are pretty much gone. The risk and responsibility for your retirement falls directly and completely on you and a market crash could indeed destroy or greatly disable your financial...

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