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Solution to a Rising Interest Rate Environment

A year ago when a client or prospect was approached by an advisor to move a portion of their “save money” into an annuity, some common objections were: “rates are too low”, or “why would I lock my money up now “what if interest rates start to rise?”  All are valid points.  And I’m sure  Full Article…

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Enhanced Benefits of Annuities

Annuities can provide enhanced benefits in addition to the lifetime income stream, growth with 100% downside protection, and tax deferral.  I want to explain the benefits that provide Enhanced Death Benefits, Medical Benefits, Nursing Home Assistance, and Return of Premium.   Enhanced Death Benefits Enhanced Death Benefits are similar to how the lifetime income riders  Full Article…

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Solutions for the Retirement Crisis

If you are a baby boomer, then you are no stranger to the term “retirement crisis”.  With healthcare costs on the rise and people living longer than previous generations, retirees are spending more and more money these days.  Now factor in the uncertainty of the Social Security program and the fact that 10,000 boomers turn  Full Article…

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FED to taper QE, what does this mean for retirees and those approaching retirement?

  Federal Reserve Chair Ben Bernanke just recently announced that they Federal Reserve (FED) will taper its quantitative easing (asset purchasing) stimulus program.  This announcement sent the markets into a tailspin, dropping significantly at the end of last week.  With this announcement, the FED said the reasoning is that their signs that economy is strengthening  Full Article…

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Safe Money Alternatives

When I talk about the term “safe money”, what I am referring to is simply money you can’t afford to lose.  Depending on your age, your safe money may be a larger or smaller portion of your portfolio.  If you are anything like my parents, the term safe money is talked about, and coming up  Full Article…

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