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Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how to build your own retirement AND support yo...
I retired from Union Pacific 3 years ago at 61, after 36 years, so I get my Railroad Retirement, Tier 1 and Tier 2. My granddaughter helped me look it up and it's a little over $4,000 a month after ta...
Hi All, I am 64 years old and would like to delay social security until 70. My plan is to put 6 years of expenses into something safe and put the remaining money into something more aggressive like an...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC George and Louise in Queens bring in $600,000 a year. Should they keep working just to do Roth convers...
Retirees could take advantage of better yields on cash and annuities while paying down variable debt and navigating a tougher housing market.
Investors might want to add "buffered" strategies like registered index-linked annuities (RILAs) to their investing toolkit to balance downside risk.
You combine your housing wealth and lifetime annuities to help ensure that an average of three-quarters of your retirement income is not subject to market risk.
Incorporating housing wealth and lifetime annuities in your retirement income plan can offer a significant tax-cost advantage over an investment-only plan.
Instead of worrying about the markets and running out of money in retirement, you might consider buying an annuity that guarantees you a lifetime income.
An "all-asset" strategy would integrate housing wealth and annuities with traditional investments to generate more income and liquid savings for retirees.
Allianz Life Insurance Company of North America’s latest white paper takes a deep look at how different retirement income strategies—and especially various types of annuity products—can shape particip...
In the Fall issue of this quarterly publication, you'll find a story that recommends capping benefits at about $2,000, one that shows why a combination of income annuities and withdrawals from savings...
Discover how Andrea Solarz retired solo with confidence using Boldin, Social Security, and annuities to fund a life of purpose and travel. The post Podcast 102: How Andrea Retired Solo With Confidence...
M64 wife is 57, no kids. We have just north of 4 mil in liquid assets split between 3 in after tax and 1+ in 401k. How much should we have in real estate vs bonds,equities and annuities? I’m ant...
Tiktok, Reels, and Facebook, are all relentlessly targeting me with ads for a new retirement strategy that does not include annuities, life insurance, 401(k)s, IRAs, and proposes to me that it will ge...
Private equity, real estate and expanded annuities are now options, but they are more complex, less flexible and more expensive to own....
This strategy challenges conventional retirement rules of thumb by combining traditional savings, home equity and annuities to provide higher income and liquid savings and help cover long-term care co...
If you're like many retirees we meet with, you may struggle to spend confidently in retirement, even when you've saved enough. Here, we explore a potential strategy: an alternative to the annuity-base...
Combining IRA investments, lifetime income annuities and a HECM into one plan could significantly increase your retirement income and liquid savings compared to traditional planning....
Combining a reverse mortgage known as a HECM with a QLAC (qualifying longevity annuity contract) can provide longevity protection, tax savings and liquidity for unplanned expenses....
Should you hold equities? Fixed income? An annuity? Or all three? Financial advisors debate the options in today’s “tariffied” environment. The post How to allocate a RRIF for secure...
Answering reading questions about tail insurance coverage, annuities and whole life insurance and why you should avoid these products, and the implication of property tax and home insurance. The post ...
This will be my first full year of retirement. SS, a small FERS annuity, and 401k (TSP). Since I’m not having any Fed withholding on my annuity taken out, my tax guy says I need to be making qua...
Contingent deferred annuities represent product manufacturers' latest appeal to independent RIA advisors and their clients. Here's how they're making the case....
This rule of thumb on how much retirees can safely withdraw per year could lead some to run dry if stocks hit the skids. Annuities could help cover their bases....
Cryptocurrency may be good for a thrill, but older investors are better off with assets like bonds, guaranteed annuities, CDs and maybe dividend-paying stocks....
Addition of Allianz Lifetime Income+ Annuity and Putnam Retirement Advantage Income Series…...
I (m 62) have some health concerns and would do 100% survivor for the wife (f56). She should be around a long time. Lump is 196K, annuity is $1053 a month for my life then her life I would need to mak...
While not guaranteed like an annuity, MyRetirementIncome is a flexible and simple financial product for those needing to convert nest eggs into income. The post What is Sun Life’s new decumulati...
What are your thoughts on a RILA investment for retirement? Does anyone have experience investing into a RILA? Registered index linked annuities. The one I was looking at gives 20% protection of you i...
Answering reader questions about 401(ks) and if you should have more than one, what to do with a crummy retirement account, and if you should be worried that your 403(b) is referred to as an annuity. ...
After taxes and inflation, the real return you get may not be as good as you think. Here's another approach to consider: fixed deferred annuities....
In this episode, we tackle a diverse range of listener questions from reverse mortgages, annuities, Roth conversions, healthcare before the Medicare age, and a lot more. Tune in as we discuss: Al's Qu...
Two ways to give to charity — a charitable gift annuity and a charitable remainder trust — can save you taxes and generate income....
These steps, including converting to Roth IRAs, using a Roth 401(k) and leveraging life insurance and annuities, can help reduce your taxes in retirement....
As the title says. I can retire in 1 to 1.5 years. Confirmed all finances, annuities etc and all line up. I even have planned out what I'll do after. Problem is I've been super unmotivated at work pas...
Concerned about RMDs? Worried about outliving your retirement savings? A qualified longevity annuity contract defers some RMDs and guarantees lifetime income....
Here’s how to use your home equity in combination with an annuity contract to produce late-in-life income....
Fidelity retirement specialist is telling me that I could take a portion of my 401(k) money and put it in what is called an anchor strategy. He is proposing an annuity for three years. The goal would ...
In 2006 I converted a 401k via a 72T mechanism that put the proceeds into a variable annuity (VA). I have been drawing a monthly benefit from that account to date. I was recently advised that I have t...
Using after-tax savings to buy an immediate annuity could shift your taxes on income to later years, when you might have expenses that can offset higher taxes....
Guaranteed in-plan lifetime income solutions is a hot topic in the workplace retirement…...
In our last post, we asked whether now (or actually earlier this month) might be a good time to purchase a single premium immediate annuity (SPIA) to strengthen Floor Portfolios used to fund essential...
Today, Laura Stover, RFC® and Michael Wallin, CFP® discuss the importance of planning for retirement income and the role of annuities in retirement planning. They start by emphasizing the sign...
Joe and Big Al spitball on investing in index funds, bonds, CDs, treasuries, annuities, net unrealized appreciation on company stock, and where to park cash right now. Plus, how do taxes, Roth convers...
At what age do Required Minimum Distributions kick in? (I'm 67 now.) What kinds of accounts do they apply to? I have a mix of Roth and conventional IRAs, 401k's, annuities, and some TIAA/CREF stuff, t...
An integrated approach of investments and annuities could provide you with more retirement income in addition to protection against inflation and late-in-life expenses....
Apollo was the first to use annuities to build a major financing business. Others followed, driving the growth of the private lending market and worrying regulators....
Here’s how retirees can benefit from changes in required minimum distributions (RMDs), qualified longevity annuities and IRA catch-up contributions....
I've been thinking this would be a good alternative to an annuity for generating monthly income for the time between retiring and starting social security, assuming social security at 70. Has anyone h...