Blog tagged as Annuities

While annuities are a powerful financial tool, they are often misunderstood. Many people rely on outdated information or misconceptions when evaluating whether an annuity fits their portfolio.

Annuity Facts | Safety, Tax-Deferral, Income and Growth Guarantees.. and more

Diversification is one of the most widely accepted principles in personal finance. By spreading assets across different investment types, individuals can reduce risk, improve stability, and better prepare for uncertain market conditions.

Rising living costs, longer lifespans, and unpredictable markets make retirement income planning more challenging than ever. One strategy designed to help retirees generate more income as they age—while reducing risk—is the annuity ladder.

Once upon a time, in a magical land called “The Past,” people worked at a company for 30 years, got a gold watch, and then strolled off into the sunset with a guaranteed pension check for life.. but not any more.. you need to build your own pension now..

Annuities and trusts can be combined in some very strategic ways, but the “best” setup depends on your goals (e.g., tax deferral, probate avoidance, legacy planning, or asset protection). Here’s a structured overview..

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.