What Should I Do With an Old Annuity?
That annuity you bought years ago deserves a review, not an automatic replacement. The real question is not how old it is. It is whether it still fits the job your money needs to do today.
Safe Money
Safe money strategies are about more than protecting principal—they’re about creating confidence in retirement. Explore educational articles about Guaranteed Retirement Income, Income Bridge planning, Fixed Indexed Annuities, MYGAs, Indexed Universal Life, and strategies designed to build an Income Floor that helps cover essential living expenses. When your essential expenses are covered by Guaranteed Retirement Income, the rest of your portfolio has permission to take risk because your lifestyle no longer depends entirely on market performance. Our goal is to provide clear, educational information that helps you make informed decisions based on your retirement goals, risk tolerance, and financial priorities.
Do I Need an Annuity?
An annuity should have a job. For some people that job is income they can’t outlive. For others it’s protecting part of what they’ve built from market loss. Here’s how to know if you have a job for one, and how to tell when you don’t.
The Biggest Risk to Your Retirement Isn’t the Market. It’s Not Having a Plan to Replace Your Paycheck.
What if the biggest risk to your retirement isn’t the market, but not having a plan to replace your paycheck?
Why Retirement Income Is a Different Discipline
“I don’t like annuities.” A fellow parishioner and financial planner said that to me recently during coffee hour after church.
Taxes in Retirement: How to Keep More of Your Retirement Income
The biggest retirement expense isn’t always healthcare. It isn’t inflation. For many retirees, it’s taxes they never planned for. Most
The Income Bridge: Why Retirement Income Sequencing Matters More Than Returns
Most retirees don’t fail because of bad investments. They fail because of poor income sequencing. One of the most common
Fidelity Just Validated Everything We’ve Been Saying About Retirement Income
Fidelity Investments is moving to add a guaranteed lifetime income option inside its Freedom target-date funds — the same funds
The Objection That’s Half Right
Most of what people “know” about annuities isn’t wrong. It’s just incomplete. Take one of the most common objections I
Accumulation Gets You to Retirement. Guaranteed Income Gets You Through It.
Accumulation isn’t a retirement strategy. It’s a starting point. Accumulation gets you to retirement. Guaranteed income gets you through it.
The Safe-Money Shift
This is Part 3 of a 3-part series. Read Part 1: The Annuity Puzzle | Read Part 2: PIRC →