Blog tagged as Asset Protection

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..

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.

Many parents hope to leave a parting gift for their children after they’ve gone. But how can you be sure they will use their inheritance the way you intended?

Having a smart estate plan is essential for everyone—regardless of assets, age, or income. Here's what you need to know to build yours.

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.

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.

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.

It might seem like estate plans are just for people with actual “estates,” but most people should have one. That’s because, in financial and legal terms, an estate simply consists of your possessions.

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)

Term life insurance is typically the most affordable option to protect your family in the event that something happens to you.

Customizing the annuity contract to meet your individual needs Riders are optional enhancements that are available on your annuity contract at an additional cost.

Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time.

An immediate annuity can provide you with predictable income during retirement that you can use for essential living expenses.

Fixed annuities give you growth paired with control. Fixed annuities protect your money from market ups and downs with guaranteed rates

A fixed indexed annuity offers growth potential based on the performance of an index or indices.

A registered index-linked annuity is designed to help limit exposure to downside risk while offering growth potential based on the performance of an index or indexes.