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Income

The Growing Popularity of Annuities

The Growing Popularity of Annuities Annuities are nothing new; in fact, they’ve been around since Roman times, and maybe even before that.1 But they’re seeing a modern-day surge in popularity, fueled by pre-retirees and retirees concerned about stock market volatility and outliving their retirement income. The fixed annuity market experienced significant growth between 2017 and 2018,…

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Where is Dad’s Money?

Where is Dad’s Money? Imagine if, sadly, Dad dies or becomes incapacitated. You’re in charge of handling all his financial affairs, from managing his investments to putting income sources in place for Mom. There’s just one problem: He was an old-school guy who never consolidated his assets or set up online accounts. Also, it appears…

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Retirement: Savings and Financial Health

Retirement: Savings and Financial Health As many baby boomers near retirement, some new facts are coming into focus. According to the latest Government Accountability Office (GAO) report on retirement security, 29 percent of households aged 55 and older have no savings set aside for retirement and no pension. If that doesn’t change, they’ll be relying…

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Retirement Planning Tools

Retirement Planning Tools Here’s an interesting tidbit from the investment industry: In 2014, Merrill Lynch hired a gerontologist on staff – the first financial gerontologist of all time.1 Why? Because their financial advisors needed to learn how to plan for older people who are living longer than ever. The problems associated with this new era of…

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Pros and Cons of Municipal Bonds

Pros and Cons of Municipal Bonds U.S. stock markets were enjoying an eighth consecutive year of a bull market until volatility toward the end of 2018 erased all of the past year’s gains.1 In times like this, as share prices continue to bounce back and forth on a day-to-day basis, investors close to or in retirement…

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Decreasing Benefits Contribute to Retiree Bankruptcy

Decreasing Benefits Contribute to Retiree Bankruptcy For most of the 20th century, it was common for employers and unions to sponsor health care insurance for retired workers, which helped pay for some or all of Medicare’s cost-sharing requirements and deductibles. However, this trend reversed sharply in the mid-1990s. A survey by the Society for Human Resource…

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Pension vs. 401(k)

Pension vs. 401(k) Given a choice, which would you choose: a guaranteed fixed income for the rest of your life, or a lump sum tht you could invest? As it turns out, lots of people prefer a sure thing. This is what a recent survey showed about public sector employees posed with the option to…

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Annuity Strategies

Annuity Strategies In a 2017 Nationwide Retirement Institute survey, financial advisors revealed some of the primary concerns of today’s pre-retirees, including maintaining their current lifestyle during retirement. These people also are less concerned with growing their assets; instead, they are focusing on drawing them down in a disciplined strategy without taking out too much too…

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