News

1
Jun

Mid-Year Financial Check Up

Happy Half Year! Time flies and first 6 months of 2018 are already here and gone! With the second half of the year fast approaching, it’s important to know how your finances are stacking up compared to your goals when the year began. What better way to that then to check out these quick tips for a mid-year financial check-up:

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28
Apr

Off-Ramp to Retirement

Retirement on your mind? Whether you are on the brink of retiring or already there, you want to make sure you saved and protected your assets to ensure you’ll have income to exceed your retirement dreams. 65 years of hard work should not go to waste which is why it is crucial you make sure you are planning for retirement

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9
Apr

Social Security & You

Are you on the verge of retirement? Then you are probably asking yourself when you should stop working and how long after that do you take Social Security benefits? While your first thought may be to take both as soon as you are able, the reality is a little more complicated. Here are the top Social Security questions answered on

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23
Feb

Have I Saved Enough for Retirement?

Many Americans look forward to their retirement years; however, if you’re not prepared, it can also be financially stressful. When it comes to retirement, most Baby Boomers are unsure if they’ve saved enough and are concerned about running out of money. In fact, only 1 in 3 Americans are confident or extremely confident they’ll have sufficient income for retirement.1 Planning

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1
Feb

Protect the Ones You Love

February is here — the month that celebrates love and romance and of course, Valentine’s Day. In a recent survey, Life Happens (a nonprofit life insurance organization dedicated to consumer education) found that people would much prefer their romantic partner plan for their financial future (44%) than buy them gifts (8%).1 Does this statistic surprise you? It seems appropriate when

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3
Jan

5 Tips for Reaching Your Financial Goals in the New Year

You may already be retired or you’re just starting to plan for it; either way, this is the time for making New Year’s resolutions toward your financial goals. Make 2018 “the year of making the right choices.” Take these five easy steps to reach your retirement goal sooner. Assess Where You Are Setting financial goals is crucial, but before you

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1
Dec

Give yourself the gift of peace of mind with Life Insurance

One of the biggest stressors of the holiday season can be money or more specifically, not having enough to purchase the presents we think we should. In the U.S., we live in a country that is obsessed with stuff — both giving and receiving it. While there is nothing wrong with having nice things, there comes a point when the

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2
Nov

How Much Money Will I Need in Retirement?

Planning and saving for retirement can seem daunting, but as with any long-term project, it may help to have a plan. Surprisingly, less than half of current workers have tried to estimate how much savings they will need to live comfortably in retirement.1 And even more alarming is the fact that one-third of Americans report that they have no retirement

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3
Oct

3 Retirement Pitfalls to Avoid

As you near retirement, you’re probably looking forward to the laid-back lifestyle it can offer. But there can also be some snags that could cause you to run into financial trouble later in life. Here are three retirement pitfalls you should try to avoid. 1. Underestimating your spending in retirement Many older Americans bank on their expenses going down in

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1
Sep

Do I Really Need Life Insurance?

Do I Really Need Life Insurance? Let’s face it. Most people put off buying life insurance for any number of reasons. Take a look at this list—do any of them sound like you? It’s too expensive. In the ever-burgeoning budget of having a family, things like day care and car payments and possibly even college tuition eat up a good

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1
Aug

Countdown to Retirement – 4 Tips to Get You Ready

Getting ready for retirement can be pretty exciting. With such a huge lifestyle change, you should consider to start laying the groundwork now. Here are some tips to help you through that transition.   Create a realistic budget Your early 60s is a great time to start crunching some hard numbers on your retirement budget. You’re probably just a few

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30
Jun

How much life insurance do I need?

The most important part of buying life insurance is determining how much you need. Since everyone’s financial circumstances and goals are different, there is no rule of thumb to tell you how much to buy. But do you really need $250,000, $500,000, $1 million or more? Sounds like a lot of money, but imagine if one of those amounts had

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2
Jun

4 Ways to Start Saving for Retirement Today

Saving money is an important part of leading a successful and financially independent lifestyle. While saving can help fund big-ticket items such as cars, homes, or vacations, it also serves as part of a balanced preparation for a stress-free retirement. It’s often difficult to begin saving money – especially when you’ve grown accustomed to spending a significant amount of your

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4
May

Is it time to rethink your retirement?

Every day thousands of Baby Boomers enter their retirement years. They are, unfortunately, members of a generation who are largely unsure of their financial future. For the past seven years, Insured Retirement Institute (IRI) research has discovered that Baby Boomers’ confidence in their financial preparations for retirement is steadily dropping.   Key findings from the IRI report1 include:   Only

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3
Apr

Guaranteed Income in Your Retirement

One of the biggest concerns of preretirees and retirees is income. This makes a lot of sense when you consider that all your savings essentially breaks down to an annual income you need to have to live comfortably during your retirement years. One of the options many seniors explore when trying to secure their retirement income is a fixed index

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6
Mar

Taxes in Retirement: What You Need to Know

Life after retirement is full of changes and challenges, not the least of which is trying to understand how taxes will impact your income and deductions in retirement. Many wonder how big their tax bill will be in retirement and how long their retirement will last. The average American can expect to spend roughly 20 to 30 years in retirement.

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1
Feb

Insure Your Love

Why do people really buy life insurance? For most it comes down to love. They love someone and want to make sure their family or loved ones wouldn’t suffer financially if something happened to them. A life insurance policy is the ultimate gift of love. It’s less expensive than many other standard gifts like jewelry, yet provides a tremendous value

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7
Jan

Make Saving More Money for Retirement Your #1 New Year’s Resolution

It’s that time of year when we all make New Year’s resolutions, such as eating better, working out more, and getting into better shape. But what about your financial future? What kind of shape is your portfolio in? How much are you currently saving for your retirement? You may want to consider saving more money for retirement as your number-one

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6
Dec

Retirement Planning for Procrastinators

You’ve probably heard that you’re never too young to start saving for retirement. However, many of us have procrastinated or have had other priorities and debt come up that prevented us from putting more money aside for our future. Or maybe you tried to save but got hit with unexpected setbacks like a job loss or medical emergency. You’re not

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3
Nov

5 Things You Need to Know About Long-Term Care Insurance

Chances are you’ll live well into your 80s, your 90s, and possibly even longer. When you live a long life, the likelihood you’ll need long-term health care is greatly increased. That’s why over 10 million Americans have purchased long-term care insurance.1 Here are just a few things you should know: You can decide where care is received. Long-term care insurance

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17
Oct

Do I Need Life Insurance during Retirement?

Think you no longer need life insurance? You may want to think again.   During your retirement years, you may feel your need for life insurance has passed and that your savings and investments, along with Social Security, will take care of whatever lies ahead. In fact, these misconceptions prevent many from purchasing or maintaining the insurance coverage they need.

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17
Oct

Retirement Planning Tips for Women

Women have different retirement concerns than men, which is understandable when you consider the challenges they face in achieving a financially secure retirement. Income disparities and time out of the workforce are among factors that will reduce retirement savings as well as Social Security and employer-provided retirement benefits. At the same time, longer lifespans will necessitate more savings to produce

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13
Oct

Getting Your Affairs in Order

10 Steps for Creating a Smart End-of-Life Plan End-of-life planning sounds like something you do towards the end of your life. But the reality is, no one knows what tomorrow will bring. If the worst were to happen, you wouldn’t want your family to be burdened with financial, legal and logistical problems. These 10 steps will help you get your

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6
Oct

Debunking 12 Myths About Fixed Indexed Annuities

Debunking 12 Myths About Fixed Indexed Annuities To mark Annuity Awareness Month this June, the Indexed Annuity Leadership Council is debunking  the top 12 myths about FIAs. 1. Myth: FIA policyholders assume risk Fact: With FIAs, your principal can never decline in value due to index volatility 2. Myth: People buy FIAs for higher returns Fact: People buy FIAs for

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29
Sep

Life Insurance 101 for Retirees

According to a recent 2016 Insurance Barometer Study by Life Happens and LIMRA, having enough money for a comfortable retirement continues to be the top financial concern among most American consumers (66 percent). Next on the list are two related, and just as troubling, retirement concerns—paying for long-term care (58 percent) and medical expenses (58 percent). It’s important to recognize

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11
Aug

Retirement Planning at Every Age: What Should You Be Doing Right Now?

Retirement Planning at Every Age: What Should You Be Doing Right Now? While retirement planning was once thought of as an issue for older, wealthier adults to deal with, the truth is that preparing for a secure future is no longer considered a life stage or income-specific endeavor. Providing for financial wellness in our later years is now an individual

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