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When you buy an annuity you enter into a long-term relationship with the insurance company that offers the product. For this reason, your primary consideration when comparing annuity products is the financial strength of the insurance company behind the product. An annuity contract can last for decades, and you need a financial partner that will be around Continue reading When You Buy an Annuity What to Look For In the Insurance Company When you shop for an annuity look for one that is right for your goal and objective. High Level of Guaranteed Income Now If your objective is to generate the highest possible amount of guaranteed monthly income starting now, you will want to look at a single-premium immediate fixed annuity. Single premium means that you are paying for Continue reading Get an Annuity to Meet Your Goal and Financial Objective Investors’ attitudes today are characterized by ambiguity. Investors don’t know even what the possible outcomes may be, let alone the probability that they might occur. Without a familiar context for financial decision making, it’s easy to become emotionally paralyzed. The difference between uncertainty and ambiguity may sound like little more than semantics. But neuroimaging studies have found that Continue reading Investing Inertia – Overcoming Fear to Reach Your Financial Goals There are ways to increase your yield on cash and short-term investments – without taking on excessive risk. It can be done without committing either to long-term bonds or to the volatility that can come from dropping down too far in credit quality. First determine how much of your short-term investments are for immediate needs and has to be easily Continue reading How You Can Increase Your Yield on Cash and Short-Term Investments An important retirement concern for many of us that affects our wealth protection and accumulation is on how best to make a rollover decision when changing jobs. On a recent 401(k) Benchmarking Survey conducted by Deloitte, 22 percent of employers surveyed revealed that their employees find rollovers to be the most confusing part of their retirement plan. “Rollover” is Continue reading The Retirement Account Rollover: How to Preserve Your Wealth When you believe inflation is a risk for your portfolio you can move money into some of these investments to protect your wealth. Treasury Inflation-Protected Securities Rising inflation is especially harmful to investors in fixed-income securities, as the purchasing power of a bond’s principal amount, usually $1,000, is lower at maturity when interest rates are higher than Continue reading Investing When You Believe Inflation Is A Risk To Your Portfolio These days, many Americans are assuming responsibility for their financial security during retirement. Fortunately, there are different types of retirement accounts — including IRAs and employer-sponsored 401(k) plans — that provide benefits not offered by regular, fully taxable accounts. Each can help you focus on the future and begin laying the groundwork for a financially secure Continue reading Retirement Accounts – The Benefits of Regular Investing |
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