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Annuities

Americans are living longer and spending more time in retirement. In fact, the average American will be retired for 18 years. A retirement nest egg is probably the largest amount of money you will ever need to accumulate. How will you do it?

Think about a fixed annuity. Fixed annuities are a safe, risk-free way to plan for a comfortable retirement. You do so, on a tax-deferred basis. The money is protected, and you can get a guarantee that you'll never outlive the income you receive from the annuity.

For most individuals an IRA is the largest single fund targeted for your retirement.  If you have left your IRA with a past employer, you may want to give us a call to find out the pro's and con's of your decision.  In Most cases this can be a big mistake.

 Also most retirees don't know that half of their IRA can be lost upon their death.  IRA rules are very complex and one little slip can cost you big.  Especially since the insurance companies are now required to make reports to the IRS that they were not required to make before.  Call to find out about this IRS Tax Trap and how you can avoid having the IRS taking half of your annuity that you thought you were leaving to your children.

If you have funds in the stock market, whether directly or in a mutual fund, and you are retired or close to retirement, call to learn of two new strategies that allow you to participate in the gains of the stock market without participating in any of the loss.