ReportsRisk & Reward: The Traveling CompanionsThe historical low level of interest rates has left many retirees with little money to live on; the stock market meltdown has wiped out years of savings for some retirees; the volatile daily ups and downs of the markets have many retirees wondering what to do with their money. Sadly, many are reaching for investments on the edge that promise higher returns without risks. Is there are solution that will let retirees sleep peacefully? Can you recover your past income without undue risk? Read More...Annuities & LTC: Tax-Deferred to Tax-FreeRecent Federal Laws have created an opportunity for retirees. If you own an annuity, you can convert your tax-deferred earnings into tax-free benefits should you be unfortunate enough to ever need long-term convalescent care, which approximately two-thirds of all retirees will. If you are fortunate and will not require convalescent care benefits, you’ll still have retirement money in a safe place, easy to access if needed and growing tax-deferred. Getting double-duty from your retirement money is just plain smart. Read More...Where Should You Keep Your Retirement Money?The retirement-minded and retirees face bewildering choices about where to keep their retirement money: stocks, mutual funds, banks, bonds, annuities, real estate, foreign/domestic, IRA/Roth IRA/401(k)/403(b) and more. All of these places have advantages & disadvantages, varying degrees of risk & liquidity and different tax treatment... Read More...Your Custom Report HereThis feature allows you to post custom reports to communicate information to your client. Read More...Stress Testing Your Retirement PlansAutomobile companies test their cars by crashing into concrete barriers, exposing to extreme heat & cold and deliberately trying to break them. The objective is to prepare their products for the unlikely extreme that will happen to some drivers. Read More...Getting to Know Roth IRA ConversionsA 2010 change in Roth IRA rules permit everyone to convert retirement money to tax-free status. While not everyone can benefit, everyone needs to find out for sure because huge tax-savings for you, your spouse and your beneficiaries are possible. Read More...Forecasting Wizardry & the Hidden RisksIf you’ve asked your Wall Street broker if you have enough for retirement, chances are he or she has used the Monte Carlo model to “test” your situation. All the information is fed into a computer and out pops your answer. It says ... Read More...Annuities Were Hero of Great RecessionThere has never been more controversy about any safe money place than there has been about fixed annuities. There is a very good reason for this: the loud voices of Wall Street and the deep pockets of the brokerage industry have fostered a campaign to discredit this competitor. Read More...Retirement Money: Better Long or Tall?The research of countless professionals has documented that the number one worry about retirement is "running out of money". Rather than thinking about how much money you have for retirement, you should think in term of "how long will it last". This means you should structure your savings and investment choices to Read More...401K and Roth ConversionsFLASH: BusinessWeek reports Government promotes using retirement money for guaranteed lifetime income. Read More...The Ten Biggest Misconceptions About AnnuitiesAnnuities are the most misunderstood safe money alternative, yet they are potentially one of the most beneficial for retirees. They’re misunderstood because most of what you read about them is written by uninformed or biased columnists. The stories you hear are even worse. In this Read More...Maximizing Social Security Benefits in Uncertain TimesThe Government just announced that Social Security recipients will not get a cost of living raise in 2010. The official measure of inflation in 2009 was zero: not true for retirees but they got you on a technicality. What was not mentioned: you’ll probably pay higher taxes on the same benefits. It is very easy to manage the taxes you pay on ... Read More...Do Retirees Need Help with Money Management?So you've reached retirement and now the management of your retirement money rests squarely on your shoulders. Are you prepared? Do you know the options? Do you know what risks are suitable and unsuitable? Are you a candidate for a Roth IRA? Did you start Social Security too early? Do you need tax deferral? Read More...Risk & Reward Always Travel TogetherFor the second time this decade, the stock market has nosedived. Chances are you, or someone you know, lost retirement money. Sadly, losses force changes in retirement plans. Read More...Understanding Your Mutual FundAmerica’s most common investment and most misunderstood. Read More...Conflicting Investment Advice: Who Knows Best?Bankers and Brokers are not always right. Learn what's best for ... Read More...Economic Outlook for Retirement InvestingToday's economy is challenging, proceed cautiously ... Read More...Wake Up Call for AmericaAre you concerned about the solvency of Social Security and Medicare? Does runaway federal spending concern you? Do you understand how federal deficits, the mismanagement of fiscal policy and bloated government programs will affect ... Read More...Fixed Annuities: A Good Option for Bad TimesOver the past several years fixed annuities has been maligned, slandered and debunked by Wall Street BUT it is now obvious that annuities were the best all along for safety-minded people nearing ... Read More...Tax-Free Retirement Income & MoreHow would you like to have part of your retirement money turned into a Tax-Free Income? Plus, for the income that can’t be made tax-free, there are ... Read More...Erasing Your Biggest Retirement WorryThe biggest worry for many retirees is running out of money! The main reason for running out of money is the need for long term medical care. Erase your worries with ... Read More...All About Index AnnuitiesIn the past few months you’ve probably read negative stories about index annuities. Unfortunately, many of these are written to mislead by biased or unknowledgeable authors & contain half-truths and false information. Sadly, much is written by ... Read More...Managing Retirement Money WithdrawalsThe retirement money in your IRA, 401(k), or other qualified pension account doesn’t all belong to you. You have a partner, the Internal Revenue Service (“IRS”). You must pay your IRS-partner every time you withdraw money, and ... Read More...Rolling over your retirement money: Good or Bad?When leaving an employer for whatever reason – retiring, changing jobs, downsized, starting your own business – should you roll over your retirement money to an IRA or your new plan? To avoid unnecessary taxes, loss of options and earnings you should know the facts because ... Read More...Positioning Your Money for RetirementAs retirement approaches, investment changes are needed. Read More...Retirement: Your Greatest Financial ChallengesYou’ve one chance to get retirement right! Read More...Managing Your Retirement MoneyAn excellent road map to lower risks, more earnings and fewer taxes. Read More...Guide to Social Security & a Better RetirementWhen to start Social Security and minimize taxes ... get them right. Read More...Tapping Into Your 401(k) Money Before RetirementYou can transfer regardless of age while still working ... Read More...Hold 'em or Fold 'em: A Retirement DecisionThe investment news is very bad: extremely volatile stock prices, major corporate failures, federal bail-outs, and panic on Wall Street. Most retirement-minded Americans are... Read More...Where You Should Put Your Retirement MoneyThe results will be articles telling you how much to put in bonds, stock and cash – it seems these are your options. What happened to: Bank CDs, Fixed Annuities ... Read More... |
