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NOW THAT IT IS MAY

Now that it is May and tax season is behind us, it may be a good time to reassess how retirement has impacted or will impact your living expenses. This week I thought to share with you a chart that may help you with this assessment. “Your living expenses may increase or decrease at retirement but will likely not stay the same.” You can use this calculator to help compare living expenses that you have now to the day that you will retire. This may help you to plan your savings requirements accordingly. Call us if you need help in doing this analysis. We’re always here for you.

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CHOICES

This week’s article discusses the situation when a company offers to cash out the pensions of certain retirees and former employees and instead give them a lump-sum payment. In the past we have discussed the difficulty in being confronted with this type of situation. “For most retirees, a guaranteed stream of income for life is a better option than a lump sum.” But these types of situations require a thorough talking through to ensure that you are making the best possible choice from among your options. Call us if you find yourself trying to evaluate this or a similar situation. We are always here to help.
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PREDICTABLE INCOME

A common concern when planning for retirement is the difficulty in knowing exactly how much income the retiree will have, and how long that income will last. It is also sometimes difficult to understand how different products work. Because retirees often choose to purchase an annuity with a guaranteed lifetime income to help them with this part of their retirement planning, I thought to share with you a short video that “breaks down the guaranteed lifetime withdrawal benefit that provides predictable income in retirement.” After you have watched it, call us with any questions you may have. We’re always here to help.
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GLOSSARY OF TERMS

From time to time we come across publications that are beneficial for anyone owning or thinking of owning an annuity to have. This week’s publication is a glossary of terms that are often used when discussing this particular type of product, and it is in a form that is easy to print out and reference in the future. We thought to share it in order to better enable you to have a clear understanding of your options as you plan for your retirement. It is important to make independent decisions about what options are best for you, and without a clear understanding of the meaning of words describing certain product features that may be difficult to do. Take a look and let us know if you have any questions. We are always here to help.
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DO YOU HAVE AN ILLUSION OF WEALTH OR AN ILLUSION OF POVERTY?

This week’s article tells us that “A new study has found that one difficulty workers saving for retirement have in judging whether they’re on track is that they could be under the “illusion of wealth” or, conversely, under the “illusion of poverty.” The study, “The Illusion of Wealth and Its Reversal,” published in the Journal of Marketing Research, found that the format in which information is presented affects an individual’s perception of wealth (or poverty).” We thought you might be interested in this study, and why individuals fall into one category or the other. Call us once you’ve had a chance to rethink where you might be in this spectrum. We are always here to offer out options you may not have considered to help you get where you would like to be in your retirement planning.
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QUESTIONS TO ASK

We always enjoy finding articles that help you to make good decisions for your financial future. This week’s article is one of those as it suggests some questions to ask that help determine what a good choice might be for you. “Indexed annuities offer a unique and attractive blend of safety, growth potential, tax advantages, lifetime income and liquidity” and it is important when you make your decision of which Annuity to purchase, to ask the right questions. Take a look at this week’s article. We think you will find it informative. Call us if you would like help in finding the answers to any of your questions. We’re always here to help.

 

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HOW OFTEN?

If you have ever wondered how often you should review your annuity portfolio, this week’s article tells us it should be done “as often as you would your other investments”. This is one of the reasons we invite clients for an annual review. Major changes such as a serious illness, stopping work, or health issues can have an impact on your financial planning. We look to help you make the right choices for where you are in your life, knowing that the only constant is change itself. So call us, we’re always here to help you get your bearing, and determine what might work best in a changed situation.
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BRIDGE THE GAP

I wasn’t really surprised to read in this week’s article that “When it comes to savings, the gender gap is huge. A recent study indicated that women have 50% lower savings than their male counterparts.” The amount and timing of our savings is dependent on so many factors, some of which we can control and many we cannot. This makes the idea of a looming retirement all the more scary. How can we possibly tuck away enough to totally live on for when we are not employed, if we have difficulty finding extra money when we are working? These and other questions are topics we frequently discuss. Call us if you have retirement savings concerns you are trying to find solutions for. We are always here to help.
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RETIREMENT READY QUIZ

From time to time clients will ask me about on-line tools they can use to help analyze and judge their preparations for retirement. Sometimes it is beneficial to insert various figures into an analysis and get a better idea about where you fall in terms of your income needs for the future. This week I thought to provide you with one such tool. Call us when you’ve had a chance to see where you are in your current retirement planning. We can suggest some options to increase your retirement income that you may not have thought about. We’re always here to help.
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HIGH TECH OR HIGH TOUCH

This week’s article reminds us that “While high-tech solutions offer tremendous convenience, some things are still much better when they are high-touch. One of these things is retirement planning and creating a financial plan for the future. There are many options and components available when you are building your retirement plan, and professional guidance on how these components can work together can make a significant impact on what your future values will be.” We are always here to provide you with professional assistance in your search for retirement income solutions. Call us, we are here to help.

 

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FEATURED ARTICLES

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One

Educate Yourself

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Two

Understand the Basics

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Three

Who's who in a Fixed Index Annuity

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Four

Understand the Benefits

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Five

Tax Deferral

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Six

Indexed Interest Potential

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Seven

Protection Benefits

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