Tips for Using Retirement Calculators |
August 22, 2012 |
Retirement Planning
Given that you have found this blog, you are likely one of many who are using the internet to help ensure that your retirement plan is as strong as possible. There are a tremendous amount websites, blogs, and articles which all have some great value-add features. An important feature that many now include is a retirement calculator which you can often use free of charge. Although it is fantastic to have so many tools at our fingertips, very few of these calculators actually give detailed...
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An Unanticipated Recommendation |
August 17, 2012 |
Cal Burgess, Indexed Universal Life, Life Insurance, Member Posts, Retirement Planning
Written By: Cal Burgess | Retirement Servicing Group A few months ago I made a recommendation to a referral (now a client) regarding an indexed universal life policy. His financial goals were straight forward; he wanted to protect his money from rising federal income taxes while protecting as much of his money from market risk as possible. When we met, I could tell that he was frustrated with the performance of his portfolio and was skeptical about other financial vehicles that he entertained. After about...
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Tips for Increasing Your Social Security Income |
August 15, 2012 |
Income For Life, Retirement Planning, Your Retirement
Given the 76th birthday of Social Security this week, Emily Brandon was nice enough to post an informative article highlighting tips for increasing your social security payments. Although you may believe that the impacts to these factors may be hardly noticeable when looking at a monthly impact, the overall impact realized over multiple years can be surprisingly large. Below are the tips that she revealed in her article called How to Increase Your Social Security checks: • Work for at least 35 years: benefits are...
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Balancing Risk versus Growth in Retirement Plans |
August 13, 2012 |
Income For Life, Index Annuities, Jeremy Smith, Member Posts, Retirement Planning
Written By: Jeremy Smith | Amerishield Everyone has their own idea of what they want their lifestyle to be like when they retire, how much money they’ll need, whether they will travel, and even where they will live. If you’re approaching retirement, this stage of your life could last for 20-50 years or more! Knowing that can’t you count on an unpredictable stock market or economy to provide your income over that lengthy period of time, how will you make it through your retirement? A...
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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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Survey Results: ‘Anxiety Index’ is Highest among Baby Boomers |
August 11, 2012 |
Retirement Planning, The United States Economy
A recent AARP survey has revealed that baby boomers are most concerned with the following issues: inflation, taxes, the opportunity to eventually retire, financial security during retirement, and the affordability of health care. These five factors are what drives the new polling feature called the “Anxiety Index”. In this survey of 1,852 registered voters found that non-retired 50-64 year olds (baby boomers) scored a 70 percent on the Anxiety Index. This score is much higher than the 59 percent score from 18-49 year olds and...
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