Here is what you need to know.
Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines.
Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines.
Topics: Wealth Management, Financial Planning, Investments and risk, market risks, Retirement
During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results.
What occurs with many retirees is a change in mindset – it’s less about finding the “best-performing fund” and more about consistent performance. It may be less about a risk continuum – that stretches from conservative to aggressive – and more about balancing the objectives of maximizing your income and sustaining it for a lifetime.
Topics: Wealth Management, Financial Planning, Investments and risk, market risks, Retirement
How healthy a retirement do you think you will have? If you can stay activeas a seniorand curb or avoid certain habits, you could potentially reduceonetype of retirement expense.
Each year, Fidelity Investments presents an analysisof retiree health care costs. In 2019, Fidelity projected that the average 65-year-old couple would spend around $285,000 on health care during retirement, including about $11,000 in the first year. Both projections took Medicare benefits into account.1,2
Topics: Financial Planning, Planning, Retirement, Saving
What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes. You have plenty of choices. Here are a few ideas to consider:
Topics: Budgeting, Build True Wealth, Financial Planning, Goals, Investing, Investments, long term objectives, Planning, RMD, RMDs, saving and investing, Stay focused on objectives
Welcome to our last piece in our annuity series! Today we’re going to get into some very applicable information: how Creekmur Wealth does annuities and why we use them. We recommend that you have the 201, 202, and 203 handouts handy while you read this in case you need a refresher on how each type of annuity works.
Topics: Annuities
Welcome back to our series on annuities! You’ve now made it into the challenge section of our annuity series. In these final pieces, we will take a more subjective approach to annuities. Today, we are going to break down how annuities are typically advertised and what we believe is wrong about some of those marketing methods. We’ll take a look at general annuity marketing and then go through each type of annuity individually.
Topics: Annuities
Today we will cover the last type of annuity: fixed index annuities. This type of annuity guarantees no loss of principal due to the market fluctuations and interest earned is linked to the performance of an external market index. Fixed index annuities first appeared in the 1990’s as an alternative to traditional fixed annuities.
Topics: Annuities
Today we’ll be looking into variable annuities. Variable annuities first appeared in the 1950’s as a way to help combat spending power loss in fixed annuities. Today, they are still used—for the same reason! Let’s dive in!
Topics: Annuities
Today, we will dive into a deeper analysis of fixed annuities. These annuities were the original type of annuity and were used for centuries for funding wars, retirement funds, and taking care of soldier’s families while they were gone. Currently, they are still used by many as a form of fixed retirement income. Let’s get into the details!
Topics: Annuities
Welcome back to our series about annuities! This time, we will be diving a little deeper into the basics of annuities. We will look at how annuities work and some important terms to concentrate on when thinking about an annuity or examining an annuity contract. First, let’s take a look at the history of annuities. They’ve been around for a very long time and have evolved over the many years.
Topics: Annuities
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