• How to Find Serenity Despite Retirement Uncertainty

    “How can I feel fine?” That’s what Julie Elman, from Ohio, wants to know. Julie is 57, retirementis right around the corner, and she’s worried. Despite doing “all the right things,” whenever she spends time reviewing her financial situation, Julie never, ever feels fine about the [...]

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    INFLATION WATCH - 2017

    July 13, 2017
    INFLATION WATCH - 2017

    INFLATION WATCH - May 2017 The I.I.I. Inflation Watch spreadsheet contains the latest data from the U.S. Department of Labor’s Bureau of Labor Statistics (BLS). Both current and expected near-term general inflation continue to be low by historical standards, but there are pockets of rising [...]

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    10 Things You Must Know about HSAs

    As the summer heats up, healthcare remains a hot topic. Will the ACA survive? Will Congressional Republicans succeed in repealing and replacing it? As we reach July these questions remain unanswered. One thing that is clear, however, is that Health Savings Accounts (HSAs) are playing a significant [...]

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    DO YOU LOSE THE BALANCE OF AN ANNUITY IF YOU DIE?

    DO YOU LOSE THE BALANCE OF AN ANNUITY IF YOU DIE? One common misconception about annuities is that you lose the balance of the annuity if you die. In the case of  Fixed Indexed Annuities (FIAs), the money remaining in your annuity can pass to one or more named beneficiaries after your death. [...]

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    Here's How Much a Job Loss Now Will Cost You by Retirement

    Here's How Much a Job Loss Now Will Cost You by Retirement When Americans struggle financially—if they face a job loss or a bout with illness, for example—one of the first places they turn for relief is their retirement savings accounts. This makes some sense, at least in the short term: Such [...]

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    7 Instances When You Will Want Life Insurance for Retirement

    7 Instances When You Will Want Life Insurance for Retirement A frequent question among those nearing and in retirement is: Do I need life insurance for retirement? The answer, like most financial planning related questions, is that it depends.  When you are working, the purpose of life [...]

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    Three key decisions to make before you retire

    Three key decisions to make before you retire When to take Social Security, how to pay for health care, and how to generate income. Key takeaways: ✔ The longer you can delay collecting Social Security, the higher your benefit. ✔ Plan for health care costs and figure out how you will [...]

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    4 WAYS TO SAVE WHILE PAYING OFF STUDENT LOANS

    You’ve walked across the stage, shook the university president’s hand, and waved to your beaming family and friends. All of those late nights in the library suddenly feel worth it, but you know with the student loans, the work of school is not quite yet complete. According to a report from [...]

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    Planning For Your Retirement: Understanding Annuities

    Planning For Your Retirement: Understanding Annuities An annuity can be a very smart retirement investment for many people. That's not just because an annuity can provide a secure revenue stream — a monthly check — for the rest of your life, no matter how long you live. On top of that, the [...]

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    ANNUITY SHIFT

    May 25, 2017
    ANNUITY SHIFT

    ANNUITY SHIFT National Retirement Planning Week took place in April, and the whole month was Financial Capability Month. April was full of encouragement for individuals to move their retirement savings plans forward. California’s insurance commissioner, Dave Jones, took part: He put out [...]

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    NEW STUDY: 1 IN 3 AMERICANS CONFESS STOPPING RETIREMENT SAVINGS AT LEAST ONCE

    NEW STUDY: 1 IN 3 AMERICANS CONFESS STOPPING RETIREMENT SAVINGS AT LEAST ONCE While a whopping 94 percent of Americans currently give themselves a passing grade on retirement, a third of them have confessed to stopping retirement savings at least once, according to a new report from the Indexed [...]

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    1 in 4 workers have less than $1,000 saved for retirement

    1 in 4 workers have less than $1,000 saved for retirement You're not alone if you have next to nothing saved for retirement. But that doesn't mean you're in good company. Almost one-quarter of workers said they and their spouse combined have less than $1,000 saved for retirement, according to a [...]

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    The power and pitfalls of retirement savers' illusions

    The power and pitfalls of retirement savers' illusions Study finds that the format in which information is presented affects an individual’s perception of wealth (or poverty) A new study has found that one difficulty workers saving for retirement have in judging whether they’re on track is [...]

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    10 misconceptions about saving for medical care in retirement

    10 misconceptions about saving for medical care in retirement Retirement isn’t the only thing workers have trouble saving for; the other big gap in planning is health care. According to a Voya Financial survey, Americans just aren’t ready to pay for the health care they might need in [...]

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    The power and pitfalls of retirement savers' illusions

    The power and pitfalls of retirement savers' illusions Study finds that the format in which information is presented affects an individual’s perception of wealth (or poverty) A new study has found that one difficulty workers saving for retirement have in judging whether they’re on track is [...]

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    4 Things to Eliminate From Your Life for a Happy Retirement

    4 Things to Eliminate From Your Life for a Happy Retirement What you remove is just as important as what you add. Many retirement articles have been written about all the wonderful things you can do with the free time you will have after you retire. Once you leave work, you’ll have more time[...]

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    What Are the Different Types of Annuities?

    What Are the Different Types of Annuities? Fixed vs. Variable Annuities In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will[...]

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    5 QUESTIONS TO ASK BEFORE PURCHASING AN INDEXED ANNUITY

    5 QUESTIONS TO ASK BEFORE PURCHASING AN INDEXED ANNUITY Indexed annuities offer a unique and attractive blend of safety, growth potential, tax advantages, lifetime income and liquidity. But, it’s important to understand the terms of your individual contract. Here are some questions you can ask [...]

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    How to Save For Retirement When You’re Raising Kids Alone

    How to Save For Retirement When You’re Raising Kids Alone It can be hard to save when you’re the only adult in the house, but putting money aside for retirement should be non-negotiable. Whether you are divorced, widowed or a single parent by choice, raising kids alone can be financially [...]

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    3 WAYS TO BRIDGE THE GENDER SAVINGS GAP

    3 WAYS TO BRIDGE THE GENDER SAVINGS GAP This post originally appeared on the National Life Group Main Street blog on 3/9. By Maria McLendon. When it comes to savings, the gender savings gap is huge. A recent study[1] indicated that women have 50% lower savings than their male counterparts. There[...]

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    DON’T TAKE THE JOURNEY THROUGH RETIREMENT SAVINGS ALONE

    DON’T TAKE THE JOURNEY THROUGH RETIREMENT SAVINGS ALONE We live in a high-tech world where information about all topics under the sun is available at our fingertips. We are moving toward self-service and automatic access to everything. You can look at your checking account balance on your phone; [...]

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    Fixed Indexed Annuities: Principal Protection and Growth Potential

    Fixed Indexed Annuities: Principal Protection and Growth Potential Whether aiming for asset growth or protection, clients today face tough decisions when it comes to investing their retirement assets. They may be concerned about tying up money in a low-rate fixed account and missing the boat if [...]

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    CELEBRATING THE 22ND ANNIVERSARY OF FIXED INDEXED ANNUITIES

    CELEBRATING THE 22ND ANNIVERSARY OF FIXED INDEXED ANNUITIES Move aside, Valentine’s Day… there’s another reason to celebrate! This week, we’re commemorating the 22ndanniversary of Fixed Indexed Annuities (FIAs). While we can’t guarantee flowers or heart-eyed emojis, this anniversary marks[...]

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    FALL IN LOVE WITH YOUR RETIREMENT SAVINGS PLAN

    FALL IN LOVE WITH YOUR RETIREMENT SAVINGS PLAN Finding your soulmate and saving for retirement actually have a lot in common. Both can be intimidating, require careful planning and lead to some nerve-wracking decisions. However, making informed steps in both scenarios can leave you feeling happy [...]

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    10 Common Spending Regrets

    February 10, 2017
    10 Common Spending Regrets

    10 Common Spending Regrets Wasted money on a purchase? Here's a look at items people buy and wish they didn't Time-shares 1) The time-share industry, known for its seductive marketing practices, plays on people's fantasies of owning property in popular vacation areas and being able to travel the [...]

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    Why Retirees Should Consider Indexed Annuities

    Why Retirees Should Consider Indexed Annuities Given their inverse relationship, when bond interest rates begin to climb, bond prices decrease in market value—as they have been for the last year especially. When approaching retirement, what strategies are retirees left with to ensure [...]

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    20 Things You Can Learn From Your Parents’ Retirement

    20 Things You Can Learn From Your Parents’ Retirement Millennials are saving more than ever for retirement, at an average 7.5 percent of income. Still, this number, which was released as part of a recent report on retirement readiness from investment firm Fidelity, is far from the firm’s [...]

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    New Study: America's Retirement IQ is Low

    New Study: America's Retirement IQ is Low Boomers Lack Knowledge & Are Undersaved for Retirement A startling number of baby boomers don’t know how much money they need to live comfortably during retirement, and without a target in mind, have ended up saving very little. In fact, 1 in 4 [...]

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    BRINGING BALANCE TO YOUR RETIREMENT PORTFOLIO

    BRINGING BALANCE TO YOUR RETIREMENT PORTFOLIO In our hectic lives, balance is something many of us strive to achieve. From work-life balance to finding balance in your yoga class, we’re all looking for a little more of it. In terms of planning for the future, have you thought about ways to [...]

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    Offer FIAs to take advantage of retirement income opportunities

    Offer FIAs to take advantage of retirement income opportunities   Gen X designate more than $25 trillion in financial assets for retirement income. This is roughly double the amount today. Jafor Iqbal, assistant vice president of the Secure Retirement Institute and author of “The [...]

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    RETIREMENT SAVINGS RESOLUTIONS FOR THE NEW YEAR

    RETIREMENT SAVINGS RESOLUTIONS FOR THE NEW YEAR   While getting your health into shape tops many Americans’ New Year’s resolution list, getting your finances in shape should be another goal you make in the New Year.  Why is this so important? A recent study  showed that nearly 40 [...]

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    11 Money Lies to Stop Telling Yourself

    11 Money Lies to Stop Telling Yourself   Nope, credit cards aren't evil. Sometimes it’s easier to believe a fantasy than it is to face reality — and when it comes to money, many people hold false beliefs. When you’re young, the future seems far away, and you might think there’s[...]

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    6 Social Security Changes Coming in 2017

    Social Security beneficiaries will receive a slight increase in their Social Security checks in 2017. There have also been several recent tweaks to the program that change how married couples can collect benefits. Here’s a look at the new Social Security rules for 2017: A modest [...]

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    Give Your Kids the Gift of Giving

    The run up to the holidays at the end of the month is an especially great time to teach young children some money and life lessons. Have The Kids Clean Their Closets, Rooms, and Playrooms. The goal is to create a single pile of all the toys, books and clothes that are no longer used or wanted. As a[...]

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