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Tag Archive: retirement advisor charlotte

The Role of Index Annuities in Financial Planning

Jim Heafner

Jim Heafner | June 3, 2016 | , , ,

What role do index annuities play in financial planning? Can they provide growth or just income? First, let’s address index annuity growth versus market growth. Since 1995, some of the better index annuities have historically averaged 4 to 5%.1 Many would dismiss this growth, compared to the stock market’s “higher returns.” The disconnect is that we often focus solely on actual market returns, pointing to the S&P or Dow during good market performance periods only, rather than focusing on actual return performance in an investor’s...

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Don’t Run Out of Money in Retirement

Dolph Janis

Dolph Janis | March 8, 2016 | , ,

Have you ever awoken at night and started worrying about running out of money when you’re in or entering retirement? Does the fear of losing what you have saved for retirement due to changing markets concern you? If so, you’re not alone.  A large number of baby boomers have this feeling on a daily basis. I have been working with clients for over 11 years, and these concerns are brought up in just about every meeting or conversation I have with clients. When looking at...

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