Articles

Are You Prepared For The Next Storm

After experiencing my first hurricane (and coming out unscathed – thank you God), I realized how important it is to be well prepared for the unknown. While we knew about Irma coming towards us for quite some time; not knowing exactly where or how hard it would hit was nerve-wracking. To prepare for Irma, I Read more >>

The Retirement Jigsaw Puzzle

As a child, I loved jigsaw puzzles. All those colorful pieces that, when put together correctly, made a beautiful picture. The trick is knowing how those pieces went together and I always found that working from the outside in, building the frame so to speak, made it easier to make the whole puzzle come together. Read more >>

Compare Variable Annuities With Fixed Indexed Annuities

  The category, annuity is a very broad term that covers two different types of actual products.  One is a security, the other is an insurance product.  There are numerous differences, this article will explain the details. There are two completely separate categories of annuities, their difference is like apples and oranges. Variable Annuities: Variable Read more >>

The Income Gender Gap Is Stacked Against Women

  For years, an income gender gap has existed between males and females. Despite enormous efforts and great successes, the income gap is causing retirement planning for women to be a hardship.   Here are facts that are a source of concern. • Approximately 2 out of 5 working women earn less than $30,000 per Read more >>

Houston, we have a problem!

Today, August 29th, 2017, day 4 of Hurricane Harvey, I am sitting at my computer In Houston, Texas, safe and secure for the time being. At this point, I do not know what awaits my fellow Texans who have been directly affected by the destructive winds and flooding Hurricane Harvey has produced. Nobody does. Like Read more >>

Three Things To Know Before Buying Municipal Bond Insurance

The attraction to owning municipal bonds is twofold, limited exposure to loss and tax advantage interest. Many bond owners also purchase insurance on their bonds to ensure safety and security are part of the equation. With the financial meltdown from 2008, concern over exposure to loss has become more and more important to investors. If you Read more >>

How Many People Are In The New American Economy: Living Paycheck To Paycheck?

Concern by many employers that will need to increase their minimum hourly employee compensation is a major concern. The federal government sets minimum hourly rates for employees however many sectors of our economy have successfully lobbied exemptions to the $7.25 hourly rate. Who is exempted is astounding, the reasons behind the government’s decision are as Read more >>

Two Basics You Must Know About Annuities

  Some people find annuities difficult to understand. This can be due to the many different types of annuities or the fact that they are so unique compared to other types of investments. People just haven’t encountered anything like them. However, if you need additional income for retirement, an annuity might be exactly what you Read more >>

The Dreaded Four Fears Of Retirement Planning

                    Every day I hear from those who come into my office four fears: 1. The fear of outliving my money 2. The fear of having to put off retirement 3. The fear of having to go back to work 4.  The fear of having to Read more >>

A Simple And Successful Approach For Your Nest Egg

In the spring of 1983, a 61-year-old Australian sheep farmer named Cliff Young entered his first ever running race. Without any previous racing experience, he chose for his running debut one of the toughest races in the world: a 543-mile ultra-marathon stretching from Sydney to Melbourne. Besides Cliff Young, the race was comprised of young, Read more >>

How Do I Pick The Right Agent To Help Me?

Currently, there are well over 1,200,000 life insurance agents in the United States. How can you ever decide which one is best for you? Plus there’s all this “fiduciary” stuff being thrown around to confuse you even more. Let me make something clear. If you are currently a life-licensed agent and you sell anything other Read more >>

Women And Investing It’s A Different World

As an advisor, I meet with single women quite often.  Be it from divorce or the passing of their husband; I see women come into my office frustrated and fearful. Women have different views and needs when it comes to retirement planning advice and for several reasons. First, let’s look at the science behind why Read more >>

Understanding Income Riders

By Robert P Kelly As I speak to so many callers to my Safe Money and Income Radio Show, I find that I spend a lot of my time undoing a lot of the misconceptions and even outright misrepresentations that a lot of them have about annuities and income riders. These problems arise because they Read more >>

Do Agents Use Annuities In Their Own retirement Plannings?

I get this question a lot from perspective clients, do you use annuities in your personal retirement planning? The simple answer is yes, absolutely. As a matter of fact, I have multiple annuities as part of my retirement portfolio. And, the reason I use annuities for my own retirement, is the same reason that anyone Read more >>

Where Are You Now?

Someone once said that to know where you’re going, you must know where you are NOW. That will change as often as circumstances change. What sorts of changes? Well, death of a spouse is certainly a life-changing change that effects everything. Deaths of trustees/executors are important to consider. The housing crisis a few years back Read more >>

Where Should You Invest Your Money? Answer These 8 Basic Questions

 When people think about saving and investing money the first question they ask: “What should I invest my money in?” To answer that question the following questions should be answered: What do I want the money to accomplish? You may need extra income to cover your monthly current expenses. Or to pay for a child’s Read more >>

Risk on Paper Is Different From Reality

The Best Practices Used to Create Sustainable Streams of Retirement Income   Today, stability is a welcome oasis in a sea of uncertainty. Investing involves placing your money at risk in the capital markets, which are subject to geopolitical and economic events as well as the collected behavior of millions of market participants. No one Read more >>

Charitable Gift Annuities Can Provide Benefits

If you have big dreams, a big heart…..but a shrinking pocket book (and resources), then a Charitable Gift Annuity may be an option for you. As a professional Insurance & Retirement advisor, I have been asked, “What are some of the non-traditional charitable gift giving opportunities by which someone may support their church or favorite Read more >>

How Many Acres Must I Own?

  A new rule exacted by the Department of Labor governing financial advice provided by advisors has thrown the industry into a state of confusion and disarray.  The “Fiduciary Rule” went into effect June 9, 2017, however, any enforcement of the rule has been delayed until January 2018.  New DOL Commissioner Acosta has indicated the Read more >>

Inflation Can Cripple Retirement Planning

Most investors only consider the risk to their principal, which is why they favor Certificates of Deposit over non-FDIC insured investments for their most protected assets. The risk of lost buying power is a more complicated dynamic. The dollar value of principal stays the same, but year after year, a dollar buys less and less.  Read more >>

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