Blog tagged as Annuities

A structured annuity settlement is a financial arrangement where a claimant receives compensation from a legal settlement or insurance payout, business sale or real estate sale in the form of periodic payments over time,

A Structured Installment Sale helps you defer on capital gains tax when selling a business, real estate or other major asset. You can put up to $5M in EACH structured installment sale product, with multiple products available, helping you defer substantial capital gains taxes..

Is now the right time to convert my traditional IRA or 401K retirement account to a ROTH IRA?

Annuities come in two varieties – Fixed and variable. A fixed annuity is somewhat like a CD, in that the insurance company issuing the annuity agrees to pay a fixed rate to the investor, while the investment, along with associated profit or loss, is also the company’s responsibility and right.

People are putting money into annuities today for several key reasons—especially in today’s economic and market environment. Here’s a breakdown of the main motivations.

Annuities can help during retirement by providing a steady stream of income, which can supplement other retirement funds like Social Security or a 401(k).

When it comes to financial planning, especially for retirement, investors often seek products that combine safety, growth, and income. While every financial product has its pros and cons, annuities stand out as one of the most compelling options.

You know the sources of your income today, but do you know what retirement income sources you’ll need to allow you to live comfortably later?

Any dip in the market can set people on edge. Feelings of uncertainty and worry are only natural: We see the numbers in our retirement accounts go down and we want to stop the bleeding any way we can.

As you plan for retirement, you likely come across many options for building your portfolio and creating the savings you need for the future. Among these retirement income solutions, you may have seen annuities. If you don’t fully understand these products, don’t worry, you’re not alone.

Rethinking risk tolerance Many of us have some level of investment in the market — with many working-age adults choosing 401(k)s and IRAs to help save for the future. But when we experience market volatility, it may lead you to rethink how much risk you’re willing to take with your nest egg

What is an annuity? Annuities provide insurance against the risk of outliving your money after you stop working. You get the potential to grow your savings and create guaranteed income for life so you can retire your way.

Inflation has reached a level Americans have not experienced in decades. The rising cost of goods can chip away at retirement funds, and most people expect inflation to increase.

An annuity is a financial product that can be customized to give you lifetime guarantees.

Annuities offer a wide range of benefits and features which can make them a good option for helping you reach your future financial goals.

There are several types of annuity products available to choose from. Whether you’re looking for income options, legacy planning tools or spousal protection, your advisor can tailor a plan to meet your specific goals.

Credit Rating Agencies and Credit Rating Tables used across the USA with insurance companies and financial institutions.

Fees depend on the annuity product chosen. The following are charges or fees that can be applied to an annuity — along with an explanation of what you get in return.

Unless you’re an actuary, you probably have only a vague idea of how much money you should have saved for future expenses and retirement, and whether or not you are on the right track.

The advantages of annuities for generating income (compared to bonds, dividend paying stocks, equities, ETFs, ETNS, mutual funds, REITs and owning rental properties)