In today’s uncertain financial environment, many people rely on 401(k)s, IRAs, and stock market investments to build wealth. However, these traditional methods come with risks—market volatility, government restrictions, and unexpected tax liabilities.
What if there was a way to grow wealth predictably, access your money anytime, and bypass banks for major purchases—all while protecting your financial future? That’s where the Bank On Yourself concept comes in. Read More
Financial education is the foundation of a secure financial future. It involves learning about essential financial principles, such as saving, investing, retirement planning, and risk management. Unfortunately, many Americans lack basic financial knowledge, leaving them vulnerable to poor financial decisions that can impact their long-term well-being.
With increasing economic uncertainty and market volatility, financial education is more critical than ever. It empowers individuals to make informed decisions, avoid financial pitfalls, and build lasting wealth. At SafeMoney.com, we believe in providing consumers with the knowledge they need to make sound financial choices—especially when it comes to retirement planning, annuities, and wealth preservation. Read More
Holistic financial planning is a comprehensive and evidence-based approach to managing your finances, ensuring that all aspects of your financial life work in harmony. Unlike traditional financial planning, which often focuses on isolated goals like investment growth or retirement savings, holistic financial planning takes a big-picture view of your financial well-being. It integrates everything from income management and wealth accumulation to tax strategies, estate planning, and even emotional financial well-being.
By considering every aspect of your financial life, this approach helps individuals and families build sustainable wealth while preparing for life’s uncertainties. Read More
What if money had a life cycle? What if, instead of viewing it as just numbers in a bank account, we understood it as a journey with defined stages?
For most people, financial planning isn’t just about earning more—it’s about knowing what to do with that money at different phases of life.
Think about it. The way you handle money in your 30s should look completely different from how you handle it in your 60s. A young professional is focused on growth and accumulation, while someone nearing retirement is more concerned with protecting what they’ve built. And once you retire? The priority shifts to making that money last. Read More
A record number of Americans now have $1 million or more saved in their 401(k)s—a milestone many dream of when planning for retirement. But despite this achievement, most retirees face a critical challenge: How do you turn your 401(k) into a reliable income stream for life?
Saving for retirement is only half the equation—making your savings last is just as crucial. Many retirees unknowingly expose themselves to risks like market downturns, inflation, and outliving their money. That’s where a Fixed Index Annuity (FIA) can help, providing a guaranteed lifetime income stream and protection against volatility. Read More
Planning for retirement can feel overwhelming—especially when you’ve spent years working hard and now want to enjoy the fruits of your labor. With so many financial advisors available, it’s important to choose one who truly has your best interests at heart. For many boomers and seniors, working with an independent financial professional can offer a level of personalized, unbiased advice that is essential for a secure retirement.
In this article, we’ll explore the differences between independent financial professionals and captive advisors, and explain why an independent advisor might be the right choice for your retirement planning needs.
When planning for retirement, many people focus on 401(k) plans or traditional IRAs, but there’s another option that’s ideal for small businesses: the SIMPLE IRA. This retirement plan provides tax advantages, employer contributions, and an easy-to-manage structure, making it a great choice for businesses with 100 or fewer employees.
With new contribution limits for 2025, now is a great time to explore whether a SIMPLE IRA is the right choice for you. In this article, we’ll explain what a SIMPLE IRA is, how it works, its benefits, potential drawbacks, and recent updates for 2025. Read More
Market volatility can be a retiree’s worst nightmare. The ups and downs of the stock market can significantly impact a portfolio, especially when retirees need to withdraw funds for living expenses. This is where Volatility Buffer Accounts (VBAs) come in—providing a financial cushion to protect retirement savings during downturns. But are they the right strategy for you? In this article, we’ll break down the pros and cons of VBAs, explore different types, and discuss how they can be strategically used in a retirement plan. Read More
A fixed indexed annuity (FIA) is a financial product designed to provide growth potential without the risk of direct exposure to the stock market. It is a type of annuity contract issued by an insurance company, where returns are linked to the performance of a stock market index, such as the S&P 500. Unlike variable annuities, FIAs offer a guaranteed minimum return, ensuring that contract holders never lose their principal due to market downturns.
FIAs have become an increasingly popular choice for retirement planning, offering a balance between risk and reward. While they do not provide direct stock market participation, they allow individuals to benefit from potential market gains while maintaining principal protection. Read More
Retirement planning is no longer just an individual responsibility—it has become a critical aspect of employee financial wellness programs. As companies strive to attract and retain top talent, offering comprehensive retirement plans that address financial wellbeing in retirement has become essential. Employees who feel secure about their retirement prospects are more engaged, productive, and loyal to their employers.
This article explores the key components of comprehensive retirement plans, their impact on employees’ financial wellness, and strategies for employers to optimize their retirement benefits. Read More
Start a Conversation About Your Retirement What-Ifs
Start a Conversation About Your Retirement What-Ifs
Already working with someone or thinking about getting help? Ask us about what is on your mind. Learn More
What Independent Guidance Does for You
What Independent Guidance
Does for You
See how the crucial differences between independent and captive financial professionals add up. Learn More
Stories from Others Just Like You
Stories from Others
Just Like You
Hear from others who had financial challenges, were looking for answers, and how we helped them find solutions. Learn More
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