Retirement Planning

A Pile Of Cash: How Important Is It?

By Al Martinez Sure, when it comes to paying for something like a new car — cash talks. Cash can get you a better deal and eliminate interest payments. But more importantly than having cash is having cash flow. Cash flow is the true king. Cash flow is INCOME. Try thinking of your money from Read more >>

What Drives Your Financial Decisions?

By Rick J. Hahn  What drives your financial decisions? Is it Greed? Fear? Common sense?  Some Psychologists say that most financial decisions are made by most people in that order. The highest percentage starting with Greed, then Fear, and finally common sense. It has been my experience that that order may very well be correct.  Let’s Read more >>

Top 7 Retirement Planning Mistakes to Avoid 

By Al Martinez Retirement decisions can be confusing and complicated. Many people make too many mistakes when it comes to decisions that can affect their important retirement period. Listed below are 7 retirement mistakes, possibly you can avoid them. Searching for jobs later in life:  Many people forgo proper retirement planning thinking they’ll be able Read more >>

Women Have Greater Retirement Needs

By Rick J Hahn It’s well known that on the average woman lives up to seven years. longer than men. This means that they have a greater need for retirement planning since they will be retired longer, and will need more funds. The problem is that many women, during their prime earning years, bring home Read more >>

The Retirement Question

By James Junge At a recent Social Security workshop, I presented I was asked the question on every baby-boomer’s mind these days, “What should I do with my retirement funds with all this volatility in the stock market?” The answer is not simple, but is not as complex as many would have you believe.  The Read more >>

Sustainable Income For Life

By Rick J Hahn Sustainable income, exactly what is it? How could income be sustainable?  What happens when interest rates drop or you live too long, how can it sustain itself? Those are good questions and the answer might seem too good to be true. However, it is true if you understand how to create Read more >>

Worry and Concern Over Medical Costs And Expenses

By Bill Broich 1 in 3 Can Barely Afford Medical Care My favorite market is people who are generally overlooked by brokers, people that don’t have investment counselors, people with a lower net worth. The reason?  Our products with their guarantees become very important to them. Along with issues of income and worry regarding having Read more >>

Wall Street’s Latest Attempt To Create An Annuity: Bond Tents

By Bill Broich It never ceases to amaze me to what lengths Wall Street will go to with their products to make them pretend to be an annuity. Remember, all brokers want to do is make changes in your portfolio for if they can. The more changes, the more opportunities for compensation. It walks like Read more >>

Why Buy An IRA When An Annuity Is Better?

By Bill Broich The Federal Budget needs money, spending will not go down, the deficit will increase. The federal government must find more sources of revenue through taxation. Should those saving for retirement chooses an IRA? If you closely examine the benefits of an IRA and the benefits of an annuity, the obvious choice is Read more >>

The IRS Tightens Control Over Your IRA

The IRS wants as much control over your IRA as possible: New rules tighten grip. In the past, if you were the owner of an IRA, you were free to move your funds as much as you wished. As an example, if one bank had a higher interest rate, you simply transferred the funds. Now, Read more >>

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