HEALTH AND MONEY

Did you know there are studies that indicate health declines with retirement, and thus health costs increase. “For many people, retirement is a key reward for decades of daily work—a time to relax, explore, and have fun unburdened by the daily grind. For others, though, retirement is a frustrating period marked by declining health and increasing limitations.” Make sure you factor into your retirement planning the possibility of increased health costs. We’re here if you would like to discuss options for a product that can provide income you can’t outlive.

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FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS
It is always important to “get the answers you need to help calculate your path to retirement.” This week’s article goes a long way toward helping you navigate the way by providing information about frequently asked questions you may have about an option you are considering. Learning more about your choices is good, so call us if there is anything you’d like to discuss. We’re always here to help.

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ONE SOLUTION TO THIS PROBLEM

Did you know that “recent studies put the “retirement income gap,” the difference between the amount of money retirees have saved and what they need to maintain their standard of living in retirement, at $7.7 trillion. In addition, retirement savings are subject to market volatility, interest rate fluctuations, longevity risk and escalating retiree health-care expenses. One solution to this problem is a product that economists agree to be one of the only providers of guaranteed income outside of Social Security and pensions — annuities.” Call us if you’d like to know more about this option for guaranteed income. We’re always here to help.

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CONFIDENCE

The Stanford Center on Longevity published an article that I thought you might like to read. While it said “current studies show that individuals’ confidence in the ability to retire comfortably, or to retire at all, are at new lows”, it went on to explain “this is because retirees and pre-retirees often fall prey to several “pitfalls” surrounding retirement planning.” As you think about your retirement plans, call us. We may know of some options you have not considered. We’re always here to help.

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INCOME OUTSIDE OF SOCIAL SECURITY AND PENSIONS

With fewer and fewer companies funding retirement plans, “retirees have become dependent on savings that are often inadequate to fund their retirements. Recent studies put the “retirement income gap,” the difference between the amount of money retirees have saved and what they need to maintain their standard of living in retirement, at $7.7 trillion. In addition, retirement savings are subject to market volatility, interest rate fluctuations, longevity risk and escalating retiree health-care expenses. One solution to this problem is a product that economists agree to be one of the only providers of guaranteed income outside of Social Security and pensions — annuities.” Call us to discuss whether this product has a place in your retirement planning. We’re always here to help.

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AGING IS AN OPPORTUNITY

“Around the world, people are living longer as birth rates decline. As this dramatic shift in global demographics escalates, both public policymakers and the private business sector must reevaluate their long-term strategies. The changing landscape offers significant rewards for those with the foresight to adapt.” We know you have the foresight to think about your retirement, but do you need help coming up with some options to obtain a monthly income you can’t outlive? Call us, we’re always here to help and may have some ideas for you.

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OCTOBER MARKS THE MONTH

Did you know that “October marks National Financial Planning Month, a time when Americans can look at how they are saving, their retirement goals, and how they can create a tailored approach that works for them.” We thought you might enjoy this week’s article because it talks about five things to consider as you reflect on your retirement plans. Call us if you have any questions, we are always here to help.

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PICK UP WHERE SOCIAL SECURITY LEAVES OFF

Did you know that among the tools that is being promoted as trying to give Americans a better shot at a more secure retirement are Fixed Index Annuities. At its simplest, an annuity is something you buy with a sum of money in exchange for a monthly check for the rest of your life. “If the biggest risk in retirement is running out of money, an annuity can help guarantee that you won’t. In effect, it allows you to buy the pension that your employer has probably stopped offering, and it can help pick up where Social Security leaves off.”

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HAVING YOUR CAKE AND EATING IT TOO!

I thought you might be interested in this week’s article because it mentioned a goal that I have been hearing more and more people mention in recent weeks. The author asks if you are seeking “a guaranteed minimum rate of return that never varies regardless of market swings”, and if you are also interested in a product “where the insurance company assumes the risk”. Call us if this interests you and we’ll answer any questions you might have.We’re always here to help!

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UNDERSTANDING

When making decisions about retirement, whether it be when we will take it, or how we will fund it, sometimes all it takes is a better understanding of what the options are. That’s why this week I thought to share with you what I thought to be a comprehensive but very simply written publication on understanding what a Fixed Index Annuity really is all about. Take a look and let me know if you think this kind of product can help you feel better about your retirement solutions. We’re always here to help.

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