Annuity123 is dedicated to providing Americans with unbiased information about retirement, answering the tough questions you want to know.

With hundreds of articles on every retirement planning topic you can think of, peace of mind is just a click away.

Tag Archive: annuity advisor in vero beach fl

Getting Real: The 4% Rule for Retirement Savings Withdrawals

Todd D. Heckman

Todd D. Heckman | April 17, 2014 |

If you start talking with anyone – your financial advisor, someone who reads the financial press, maybe even your dog – about how much you can withdraw from your savings when you retire, you’re likely to get an answer revolving around “The 4% Rule.” This rule is not a real rule, just a “rule of thumb.” It’s based on a string of technical studies addressing the question: how much could you safely withdraw every year, with an allowance for inflation, and (probably) not run out...

View Article

Retirement Is Like A Box Of Chocolates… You Never Know What’s Inside

Todd D. Heckman

Todd D. Heckman | March 24, 2014 |

Although “retirement income planning” has become a piece of common jargon in the financial industry, it’s not actually a great description of what’s really going on, or what you need. When people retire, their earned income typically plummets from something they are accustomed to live on, to something closer to zero.  So they do need to replace that income in some fashion. For most people, Social Security does at least part of the job.  Many people also have a pension from recent or past employment,...

View Article