What to do with an Old 401k or IRA Account? What happens if you have an old 401k or IRA account from a previous employer? Most Financial Advisors will give you four options: First, just leave your account where it is. This is what most people do when the balance is above $5,000. Is this... Continue Reading →
The Government is changing the 401k, 457, 403b, and other retirement programs. So, it will affect you! The changes may sound good by the way they spin the words. But are they? The key changes are in: how the tax deductions will work. Many people, not just the wealthy; those average middle-class workers could be... 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 →
Note: This article will be updated as new information is made available. The law starts in three stages. First, June 30, 2020, for companies with more than 100 employees. Then, on June 30, 2021, for businesses with more than 50 employees. The third stage will go into effect on June 30, 2022, for employers who have five or more employees.... Continue Reading →
“The rich rules over the poor, and the borrower is the slave of the lender.” Proverbs 22:7 We need to know that our money is always at risk when we place it in the market and other investment means where there is the potential and even certainty of loss. What is financial risk? It usually means... 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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Did you know that an ‘IUL’ the Best Way to Plan for Retirement? We have spent the last few years, since 2008, researching the various IRA options and looking for the best possible solutions for our family, friends, and clients. First, we need to know how money works in IRA accounts. Money grows in... Continue Reading →
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 →