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Retirement Planning Blog

on 29 April, 2015

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With its market introduction in 1995, the fixed index annuity is a retirement vehicle with a 20-year record. Despite the Booming 90s, economic volatility swept the bond and stock markets in 1994. These trends gave rise to consumer demand for a new retirement product – one which offered some growth potential, but which extended principal protection in times of economic hardship.

As a result of the shift in consumer psychology, insurance carriers unveiled the fixed index annuity. And since that time, this retirement product has grown in popularity. According to data from the research firm Advantage Compendium Ltd., Americans have purchased roughly $400 billion since 1995. It's a statistic which continues to grow.

on 18 March, 2015

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Many investors have opted for fixed index annuities as a source of retirement security. But what exactly is a fixed index annuity? And for that matter, how does it stack up against other financial options?

Comparatively, financial products such as CDs offer low return potential. They also don't offer a guaranteed lifetime income option. And for seniors looking to bolster their retirement income, the ups-and-downs of the stock market puts retirement dollars at risk. After all, the market moves through cycles. Historical data shows it can take years for the market to recover.

on 22 April, 2015

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Today's economic conditions remain uncertain, and it 's having a tremendous impact on how Americans foresee the future. In a nationwide public opinion report from the National Institute on Retirement Security, many Americans were found to be anxious about their retirement. Among those surveyed, 86 percent indicated they believe America is facing a looming retirement crisis. And in addition, 75 percent said they are concerned about their capability for achieving a secure retirement.

Given present circumstances, it's easy to understand these fears. Many people worry about whether they will have enough money in their retirement years. It could be for paying medical expenses, maintaining a certain lifestyle, or covering costs of daily living. Much of the retiree community is thinking about how much money they will be able to leave to their loved ones, as well.

However, a secure financial future needn't be filled with worry.

in Annuity
on 11 March, 2015

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Today's financial landscape is muddled. Determining the best investment options for your needs can be a hassle. Sound decision-making involves being financially educated. And for people looking at annuities, it helps to understand the basics.

What is an annuity? Simply put, an annuity is a contract between you and the insurance carrier providing it. The goal of an annuity is to provide you with a steady income stream in your retirement. It can also be a means of protection - keeping your retirement money safe and intact when market-based investments take a hit. In an annuity contract, you make a lump-sum payment or a series of payments. The annuity gives you certain contractual guarantees.

on 08 April, 2015

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According to Pew Research Center, each day an additional 10,000 baby boomers reach retirement age (65 years old). Given today's uncertain economic conditions, it's natural to be worried about retirement planning. And for many people, one driving concern is whether they will have enough money in retirement.

These financial concerns are centered on many factors: healthcare expenses, a comfortable lifestyle, or other interests. But no matter what people's concerns are, one point is clear. The world is different from what it used to be, and as a result, the dynamics of retirement income planning have drastically changed.

in Annuity
on 04 March, 2015

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Are you looking at annuities for an income security option? There's certainly no shortage of financial advice on them out there. Especially bad financial advice.

And as financial guru Suze Orman notes, it's a different world. Employers no longer look out for you in your working days – and then offer a pension throughout retirement. Now they ask you to help fund your retirement. Or you may be tasked with funding your retirement entirely on your own.

on 25 March, 2015

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When it comes to financial planning, determining an estate plan is important. After all, it's the means by which someone passes on their property to their loved ones. And there are many factors associated with this. Especially the tax liabilities which may impact how much of your estate is given to your designated inheritors.

At a fundamental level, estate taxes are technically taxes that are levied on a person's right to transfer property upon death. There are many of these tax liabilities at the federal level, but all states have varying tax liabilities as well. And they can play a vital role in how you plan your estate. Let's cover these in more detail.

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