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annuity

Five Strategies for Tax-Efficient Investing

April 2, 2018
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You may be able to use losses within your investment portfolio to help offset realized gains. If your losses exceed your gains, you can offset up to $3,000 per year of the difference against ordinary income. After factoring in federal income and capital gains taxes, the alternative minimum tax, and potential state and local taxes,…

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Immediate vs. Deferred Annuities

July 24, 2017
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The terms immediate annuity and deferred annuity simply indicate when the distribution phase of the annuity begins. Both allow unlimited contributions, and both can provide, upon election, a continuous stream of payments for life. Immediate annuities Immediate annuities allow you to convert a lump sum of cash into an income stream. They differ from deferred…

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Did you know?

March 16, 2016
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I was recently taking some continuing education and came upon this interesting bit of information.  Citing is directly from Reged.com California continuing education requirement. —————————- The use of annuities gained popularity in the 1930s. This interest grew as a result of a decrease in interest rates and a desire for individuals to ensure a safe…

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Use Your Annuity to Pay for Long-Term Care Insurance

November 10, 2014

The cost of long-term care can quickly deplete your savings and affect the quality of life for you and your family. Long-term care insurance allows you to share that cost with an insurance company. But premiums for long-term care insurance can be expensive, and cash or income to cover those premiums may not be readily…

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Paying the Bills: Potential Sources of Retirement Income

August 27, 2014
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Planning your retirement income is like putting together a puzzle with many different pieces. One of the first steps in the process is to identify all potential income sources and estimate how much you can expect each one to provide. Social Security According to the Social Security Administration (SSA), more than 9 of 10 people…

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Now That You're Retired, Maximize Your Retirement Income

September 7, 2011
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Although much of the last decade has been an exception, historically, stock returns have outpaced inflation by the widest margin and have provided the strongest returns over the long term. Those long-awaited golden years have arrived, and you’re enjoying a well-deserved retirement. You’ve saved and invested wisely to provide a financial cushion. Where do you…

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Using Annuities to Generate Retirement Income

November 19, 2010
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An annuity is a contract between an investor and an insurance company in which the insurance company promises to make payments to the investor either immediately or at a future time. An immediate annuity, as its name suggests, offers payments that start immediately. With a deferred annuity, payments are delayed to a future date. You…

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Fixed Annuities: The Missing Piece of Your Retirement Planning Puzzle?

June 19, 2010
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Increasingly, the responsibility for funding a comfortable retirement is shifting from the employer and the government to the individual. Many people contribute to employer-sponsored retirement plans and IRAs, but there is another tax-advantaged retirement vehicle that shouldn’t be overlooked: annuities. Annuity Essentials An annuity is a contract between an individual and an insurance company. They’re…

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Annuities May Help Make Your Income Last a Lifetime

April 19, 2010
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With demographic trends pushing the length of retirement to 25 or 30 years and beyond, it’s important to create a retirement investment strategy that generates an income stream that you won’t outlive. If you’re looking for an investment vehicle that promises a guaranteed, lifetime income stream, then you may want to consider annuities. Simply put,…

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Annuities and Insurance: Filling the Cracks in Your Financial Plan

February 19, 2010
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If you’re contributing to an employer-sponsored retirement plan on a regular basis, be sure to congratulate yourself! You are already taking an important step toward addressing what may be the biggest financial challenge you will ever face. And if you are setting aside money for the college education of a child or grandchild, you deserve…

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