Search

This year, as always, there has been a lot of discussion and study about the ubiquitous 4% Rule that many financial advisors employ as their clients’ primary retirement income strategy. Should it be higher? Should it be lower? What’s the effect of inflation? How about using guardrails and adjusted...

There’s a common retirement rule of thumb that you should withdraw 4% of your savings annually to make it last for 25 to 30 years. As paltry as a 4% annual drawdown sounds, with inflation running at 40-year highs, that may be too much, experts say. Read Newsmax: Inflation Knocks 4% Retirement...

What is an annuity? An annuity is an insurance product designed to provide guaranteed lifetime income. Just as you insure your life, home and vehicle, annuities insure against the risk of outliving your retirement savings. Certain annuities can also be used to protect assets against market...

Creating a comprehensive financial plan involves careful consideration of your financial goals and the appropriate strategies to meet them. Whether you’re planning on your own or with a financial advisor, it’s important to understand the tools available to help you grow and protect your wealth...

Retirement is a time to relax, enjoy your hobbies, pursue new interests, and spend time with loved ones. But it can also be a time of financial uncertainty. Without a source of secure income to help cover living expenses in retirement, you could run out of money before you run out of years...

In a complex financial landscape, consumers seeking financial advice need someone they can trust without reservation. Enter the fiduciary financial advisor — a professional bound by law and ethics to act in their clients' best-interests. While many financial advisors claim to be fiduciaries, true...

When it comes to retirement planning, annuities can be a valuable tool. They can offer a steady stream of income, which can be crucial for individuals seeking financial security after they stop working. Annuities offer other benefits as well, including the ability to grow your money tax-deferred and...

Planning for a financially secure retirement involves making informed decisions about how to source sustainable income. The 4% Rule is a popular rule of thumb used to determine how much retirees can safely withdraw each year from their investments portfolios to support their retirement spending. In...

The financial advising profession continues to evolve with a growing focus on more holistic planning. This change requires financial advisors to become familiar with an increasingly complex array of financial products and strategies. Annuities are one product that has notably different interest and...

Guaranteed lifetime income can play a valuable role in a retirement plan, providing a predictable and secure stream of income, and peace of mind that you’ll have funds you can count on for the rest of your life. Three primary sources of guaranteed income for retirees are Social Security, pensions...