Category Archives for Retirement Income Planning

When a 5.75% Return is Better than an 8% Return

It’s not uncommon to hear an investment salesperson or financial guru looking to chum the waters for a possible comment section debate make a statement like “whole life insurance/universal life insurance

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Think 8% Returns are Realistic? At Least One Robo-Advisor Disagrees

  For years the investment industry—and various financial gurus—have told us that we can achieve an 8% (or better) return on our money by “investing in stocks.” That statement is vague on

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Same Stock Market, Two Different Decades

We know the stock market is volatile and we know that stock market losses happen. Traditional advice is that losses can be recouped with time so any investor whose stomach twists into knots when he or

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Certificate of Deposit Alternative: Multi Year Guaranteed Annuities

For the conservative savers out there who have found frustration in plummeting certificate of deposit rates, we have an alternative savings strategy you’ll likely want to know about. For years the insurance

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A Fixed Indexed Annuity Success Story

Fixed indexed annuities are fixed interest rate annuity products that derive the interest rate credited to the policy’s cash values based on movement in an index (the same way indexed universal life

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How Much Do You REALLY Need to Generate Your Retirement Income

A lot of Americans are struck ill thinking about how much money they need to retire. Several trade associations within the financial services industry have noted the lack of preparation both consumers

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Gallup: Over 50% of Investors could Sell Stocks if Interest Rates Rise

Gallup recently released data from a survey of over 1,000 U.S. investors where findings reported more than half of polled investors have not ruled out the possibility of moving out of stocks if interest

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Average 401k Returns: The News is not so Good – Average Rate of Return on 401k

Back in the Spring of this year, good news came out of CNBC regarding average 401k returns when they published an article titled Big Surge in 401k Balances, but Workers still not Saving Enough. The news

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The Securities and Exchange Commission is Above the Law

Following up on a theme we’ve discussed before about certain people having access to trading options that you—the retail investor—do not, we figured we’d talk today about the Securities and Exchange

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