Social Security benefits are the bedrock of retirement income for many Americans as they approach the end of their careers. As a vital part of a retirement plan, it’s important to understand what Social Security can mean to you and...
Read MoreWelcome to our June 2019 video newsletter! During this video we've taken the time to explain our "Retirement My Way" process. This proprietary process is what we go through with each of our clients to help them reach their goals during...
Read MoreAs retirees look ahead to a retirement with uncertainties, they need to have an adequate, dependable, and long-lasting stream of income. With an unpredictable stock market, grim outlook on Social Security and pensions, and a continuous...
Read MoreWhen it comes to investment types, annuities are often misunderstood. Annuities can play an important role in your retirement plan because it’s not just about saving, it’s also about generating a steady stream of income so you can...
Read MoreWe can all almost say money is always on our minds…how much do I have in my account? Am I able to afford that? Do I simply enough? Being aware of your financial health is important. Studies reveal Americans could be saving more with...
Read MoreMany people may think life insurance is just another unnecessary expense without realizing its purpose and benefits. The question to ask yourself is would someone in your life suffer financial hardships if you were to pass away? If the...
Read MoreIt’s never too early nor too late to start thinking about retirement and planning for one. It takes careful planning for your money to last a lifetime. Here are simple action steps you can take today to start preparing for your golden...
Read MoreMany Americans significantly underestimate the impact that a loved one’s long term care needs could have on their own lives, marriages, work, and not to mention their finances. As a matter of fact, 57% of caregivers surveyed tapped...
Read MoreToday, women are providing more financial value to their household than ever before. Studies show 51% of women are responsible for household finances while 37% reported to be the primary breadwinner of their family (compared to 31% in...
Read MoreEstate planning is something that’s never easy to do or even to begin thinking about for that matter. But it can help give you comfort knowing your estate and loved ones are protected after your death. Avoid missteps and get your...
Read MoreWelcome to our first ever video newsletter! We're so excited to add these videos to our list of client communications and hope you find value in the messages we're trying to share.
Read MoreOftentimes we tend to be unrealistic when it comes to planning how much we can achieve and how long it will take, especially when it comes to setting money goals. A general rule to reaching your financial goals is to establish a plan...
Read MoreSeniors can benefit from many discounts and offers; however, taxes aren’t one of them. Retirees will be shocked to find that much of their income is, in fact, subject to taxes. Here are a few that you can expect to face in...
Read MoreWhen it comes to annuities, misinformation surrounds them. To help you make a sound decision on whether or not an annuity is right for you, here’s the truth behind some of the most common misconceptions:They’re only for retirees. While...
Read MoreWhen it comes to retirement, both men and women face many risks. However, women are faced with greater financial obstacles:Living longer. It’s a known fact that women enjoy a longer lifespan than their male counterparts. As a matter of...
Read MoreFor many of us, we look forward to this time of year where we can expect some extra money in our pockets. The sooner we file, the sooner we can receive our tax refund. And you can do so by filing electronically, requesting your refund...
Read MoreMany of us look forward to our golden days, the days where we can simply kick back, relax, and do a lot more things we didn’t have time for during our days of labor. How comfortable and secure your retirement will be depends on how...
Read MoreRunning out of money in retirement is a worry for many people. In fact, 55% of baby boomers and 57% of Generation X expressed outliving their savings is one of their greatest fears. 47% of millennials also have similar concerns.1...
Read MoreMaking the decision to place your spouse, partner, or family member in long-term care (LTC) might be one of the hardest decisions in your life. Nobody wants to think about putting their loved ones in assisted care. For many, it is a...
Read MoreFiling season for the 2018 tax year is officially underway. To help you stay organized as you prepare to file, use the checklist below to gather all the forms and documents you’ll need.1Identification for You and Your SpouseFull...
Read MoreNearly 50 percent of Americans aren’t prepared for retirement.1 However, there’s still time to catch up. Here’s some insight on how you can better position yourself for securing a happy retirement:Pay off large debts. By focusing on...
Read MoreIt’s January of the New Year and other than starting fresh and enduring frigid temperatures, tax season has arrived. Below are some of the 2018 tax deduction changes you should know when filing in 2019.1Medical and dental expenses. You...
Read MoreHave a life insurance policy? That’s great! If you don’t, well, you may want to reconsider. But what are some of the features that a life insurance policy should have built-in to it? There are a lot of different options, but here are...
Read MoreEvery birthday is special – but these are particularly important in your retirement journey.1 Here are some age milestones to keep in mind:Age 55 – Penalty-free distributions allowed from 401(k), if retiredAge 59 ½ – Penalty-free...
Read MoreHappy New Year! We are officially in 2019, and there’s no better time to start fresh with your finances than now by laying out your goals for the New Year. Follow these simple tips below to help your financial year start off on the...
Read MoreYou’ve worked hard this year and it’s that time of the year again for New Year’s Resolutions. And for many of us, that means getting your finances in order. Follow the calendar below to track important deadlines and notices for your...
Read MoreMany people think they don’t need life insurance for one reason or another. A lot of these same people also think life insurance is too expensive (it’s not). Add these two together, and you get a population that simply doesn’t...
Read MoreThere are millions of different ways a person can get themselves to be financially-stable in retirement, but what is the ideal way? Through examining studies and compiling expert opinions, MarketWatch came up with an ideal timeline for...
Read MoreNow’s the time to observe your entire financial situation. The new year is upon us, so it’s only smart to start looking towards next year so you aren’t caught off-guard. Follow this quick tips and be on your way to a current financial...
Read MoreThere are some things in life that are just worth knowing. Retirement terms is one of those things. Regardless if you’re far off from retirement or in the middle of it, it pays to understand some common retirement lingo, so you’re not...
Read MoreMany factors come into play when you consider an annuity. They come in various shapes and sizes, so it’s important to know which questions to ask to come away with the right annuity for you. We’ve compiled a list of questions you’ll...
Read MoreWe get it—life insurance isn’t the most exhilarating topic. No one wants to talk about their own death. And because of that, a lot of people don’t consider it a priority in their finances. Yet, nothing could be further from the truth....
Read MoreIn retirement, annuities can be an essential part of your income strategy. They can provide guaranteed income for as long as you live, and are often a great way to supplement income from the likes of a pension or Social Security....
Read MoreIf retirement is in your future, listen up: A secure retirement plan isn’t just about savings, it’s about generating income, too. If you’re focusing only on your retirement savings, you likely will miss out on the retirement you want...
Read MoreA lot of people purchase life insurance and never look back. If that’s you, you may think that once you place a life insurance policy, you’re set until, well, you know.But that’s not really the case, given life’s dynamism. Here are...
Read MoreWith life expectancy continuing to rise as care costs grow with it, finding sustainable funding for long-term care (LTC) needs can be a challenge. Here are three ways to fund your LTC.Annuities – Annuity-LTC hybrid products deliver a...
Read MoreDo annuities and retirement go hand-in-hand? Not always. But, annuities do serve as a great way to secure income in retirement, especially under certain conditions. Here are four situations where annuities make most sense in retirement...
Read MorePurchasing multiple term life insurance policies from different companies can prove to be a fiscally efficient strategy that works especially well if you’re able to predict when your coverage needs will diminish. For example, instead...
Read MoreLife insurance is most valuable to you in times of need, which is why it's important to know in advance when and how to file a claim. Insurance companies are required to pay insurance claims promptly, but there are steps you or your...
Read MoreA recent study found that there were 16.7 million victims of identity theft in 2017, combining for a total loss of $16.8 billion.1 Still to this day, one of the most effective ways to prevent identity theft is to spot and stop the...
Read MoreSending a child or grandchild to college comes with new insurance responsibilities. Whether they're already in college or still have a few years to go, your family's insurance needs change when your children go off to school....
Read MoreSending a child off to college? Sit down together and go over these important financial issues before dropping him or her off for the semester.Get your student set up with a credit card.If your child doesn't already have a credit card,...
Read MoreThere are some things in life that are just worth knowing. Retirement terms is one of those things. Regardless if you’re far off from retirement or in the middle of it, it pays to understand some common retirement lingo, so you’re not...
Read MoreNew types of policies are emerging that combine life insurance with long-term care (LTC) insurance, getting you covered for both. If you’re intrigued by these hybrid policies, they may be worth a look. Here’s a few notes about how they...
Read MoreHow much do you know about Social Security in 2018? Because of the program’s complexity, chances are you don’t know every little piece of information. These four facts serve to fill in some gaps in your Social Security knowledge. If...
Read MoreIf you’re retired or nearing retirement, you know how long you’ve been saving for your best years. Are you ready to manage your distributions well and budget correctly? If not, you may run out of money. Consider this tips when you’re...
Read MoreLong-term care (LTC) insurance is often overlooked as a necessity, but as humans continue to live longer lives, LTC is becoming an important asset to have in your later years. It helps take care of daily tasks when you’re unable...
Read MoreWith retirees living longer than ever before, it’s becoming more and more important to accrue enough savings during your working years to help you live the retirement you deserve. The three strategies below can help you get your...
Read MoreThere are many types of annuities, but immediate annuities are one of the most popular options. These annuities are purchased with one lump-sum payment and begin paying out the agreed-upon amount right away. But, to be sure this...
Read MoreTechnology today allows for access to more information and choices than ever before across all industries – and financial advisory is no different. But, before you think about trying the next up-and-coming “robot advisor”, consider...
Read MoreDid you know that 65% of Americans end up saving little or nothing at all? And only 39% can cover a $1,000 emergency. This begs the question, are you saving enough money? Here’s four signs that you need to be saving more.You don’t have...
Read MoreMost understand that waiting to claim Social Security benefits can result in higher monthly payments. However, many don’t know that there are other ways to maximize their benefits, some of which depend on their marital status....
Read MoreStated simply, my mission as a retirement specialist is to be of service, to help people achieve an income for...
Read MoreBelow is a transcription of an interview I had with Alan Gray. You can also read this article through NewsBlaze.com....
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