Retirement– In the investing world, there are many choices. It is important to understand what your intent for each dollar is and then invest accordingly. Often diversifying your assets across multiple investment options is the best way to achieve your goals. Retirement planning should include determining time horizons, estimating expenses, calculating required after-tax returns, assessing risk tolerance, and doing estate planning. Start planning for retirement as soon as you can to take advantage of the power of compounding.
Income Planning- The primary concern in retirement is INCOME. Will there be enough? How long will it last and does it depend on the stock markets continuing to perform to the upside.
Annuity- An annuity is simply a contract between you and an insurance company. You pay the insurance company one or more purchase payments (“premium”). In exchange, you get the benefits the insurance company guarantees through your annuity contract. The Primary Owner of the policy is the person or entity whose name appears first on the contract. Some annuities have the potential to earn interest based on the growth of an external index (we call this “indexed interest”). You can choose one or more external indexes every crediting period (or “allocation options”), depending on your financial goals. Other types of annuities offer growth potential through variable investment options.
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