About Jim Gaines

Jim Gaines has enjoyed helping people protect their retirement money in the La Jolla section of San Diego, California. Web Site: jimgaines.retirevillage.com

Health Issues and Life Insurance

Health issues such as diabetes, weight problems, smoking, high blood pressure, high cholesterol, even if applicants have suffered a heart attack in the past can now be considered for insurance. Information from medical science is now available through many more sources and a fresh understanding of life expectancy makes life insurance underwriting more complete.

By | 2015-05-22T05:11:36+00:00 April 30th, 2014|Insurance|

Procrastination and Retirement Planning, It Is Time To Take Action

According to a recent survey conducted by LIMRA, one out of four employees age 55 and older answered “no” to the first question, and three out of four answered “no” to the second. That is staggering to me, how could such a large percentage have no clue about this important time of their lives. Understanding basic income and retirement needs seems at the least a very important question.

By | 2015-05-22T05:18:53+00:00 March 26th, 2014|Retirement Planning|

Annuities and Retirement Planning

Some annuity products may fit your goals better others. Why? Annuity products are designed for a specific purpose and aligning them with your personal goals is essential. In general, the decision on whether an annuity is right for your depends on your needs and goals.

By | 2015-04-29T17:51:47+00:00 February 5th, 2014|Annuities 101|

401(k) Aged Based In-Service Withdrawals Move to Safety

Most 401 (k)s offer investment options such as mutual funds. Investment options in the mutual funds can be stocks or bonds or a combination of both. As we age, providing a layer of safety and security to our 401 (k) seems only prudent. As an option, your 401 (k) will also offer a stable money investment option. These options could include a money market account. The problem with money market accounts is the yield, a yield which may not keep up with inflation.

By | 2015-05-22T17:08:23+00:00 October 29th, 2013|401(k) Rollovers, Annuities|

Your Retirement Income. Guaranteed? Or at Risk?

Most people know the amount of money in their retirement plan and as they near retirement the focus on those funds becomes more and more important. Don’t forget the very most important questions you should be asking yourself about your retirement money.

By | 2015-05-22T17:15:51+00:00 October 21st, 2013|Annuities|

Use A Safe for Your Important Money

My friend John has a special item in his life, John has a safe. This isn’t any ordinary safe; it is a special safe that John keeps his important money in. John’s safe protects his money so it is never at risk and no one can withdraw John’s money from his safe, except him. He is the only one with the combination to his safe. John’s safe has a special feature, it increases John’s money by paying guaranteed interest each month.

By | 2015-05-22T18:25:45+00:00 September 18th, 2013|Financial Planning|