How far away is your retirement? What have you done to make sure you have the funds to make it happen? If you do not have a plan or at least know what to do, you will find yourself in trouble as many do. So, first off, it is always best to start as early... Continue Reading →
There are three common problems that retirees will face, that worry them and those who will retire. This is all about having enough retirement savings. Concern one. Will I have enough money? This is about growing and protecting our money without the risk of losing any of it. As we saw in 1987, 2000, 2008,... Continue Reading →
Are Annuities Bad for Retirement? There is a common objection about Annuities; I would like to clear up. It goes like this: “Annuities are terrible because when you die, the insurance company will stop the payments and they will keep the rest of your money.” Is this true or false? Many securities people do not... Continue Reading →
In my career, I have been licensed and employed at both, and there are many similarities. Such as helping people with their retirement, investing, financial planning, money management and so forth. However, there is a key difference in what is called “captivity,” as well as how we engage a client and how we make our... Continue Reading →
First, what is an IRA and an Annuity? An IRA is an Individual Retirement Account which is a basically a tax category. This is usually an account set up at a bank or other financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. Where your money... Continue Reading →
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How to Find Out How Your 401(k) is Performing How is your IRA doing? What about the old ones from previous employers? Did you lose your job? Do you have an IRA from a previous employer? If so, do not lose Your Money! If you lost your job or you are on furlough, I... Continue Reading →
Here is How You Money Can Grow The two ways that affect your money the most is the way it grows and the way it is taxed! Money Grows in Three Main Ways Most financial advisors state that money grows in two ways, variable and fixed. However, there is a third way, called an Index... Continue Reading →
An IRA is an Individual Retirement Account. It is basically a retirement plan that allows you to save money for retirement with a tax advantage. This is a service provided by banks and various financial institutions as well as Insurance Companies that will manage your retirement savings. Depending on the type and how it is... Continue Reading →
This week, the Federal Reserve (Fed) cut the federal funds rate and the prime rate. How will this affect the mortgage rate and housing prices? How much influence does the Fed have? A lot, but that is not the whole story. There are many other facts that chime in for mortgages and housing prices. The... Continue Reading →