The goal is to educate you on how to manage your own finances to achieve financial freedom for life.
The status quo tells us to work and save for 40 years, then retire. It’s what our parents did and perhaps their parents did before
Not every risk can be avoided. But most can be minimized, and many can be reduced through preparation. Again, planning is the best way to
Since you’re no longer tethered to your job, you can choose whether to move or stay where you are. And if you move, you might
Retirement is what you make of it — as long, that is, as your health and your bank account cooperate. And don’t be surprised if
Your retirement lifestyle can be as individual as you are. As long as you remain active and maintain social connections, your personalized retirement lifestyle should
Use the following guidelines to prepare for a resilient retirement. Look at Financial Projections You can use technology to keep track of your available financial
Living as a solo senior can have different implications than spending your days as a couple. Whether you’ve always been on your own, went through
Annuities benefit individuals in their 50s and 60s the most, since they are closer to retirement and looking to save additional income toward their nest
A unique benefit to an annuity is the death benefit. Should an annuity owner die before their annuity disburses all payments, the remaining assets can
Annuities aren’t for everyone. If you aren’t worried about running out of income, you may not need an annuity. “Bill Gates doesn’t need an annuity.
Annuities are tax-deferred, which means you don’t pay taxes on the money while it’s in the annuity. Like a 401(k) or IRA, you only pay
Not all annuities guarantee a fixed rate of return. With a variable annuity, your premiums are invested in a variety of subaccounts, similar to mutual
While both life insurance and annuities are issued by the insurance companies, they serve opposite purposes. Life insurance is designed to provide benefits to your
When is the best time and what is the best age to buy an annuity? That depends on your individual circumstances and preferences. It also
If you decide that you have indeed suffered enough of the market’s mood swings, you may want to research fixed indexed annuities as a potential
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