Retirement

• Annuity Living Benefits

  Living benefits can help protect variable annuity owners from running out of money in retirement.

• How Much Do I Need to Save?

  Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

• Unforgettable Birthdays

  There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.

• Future of Social Security

  Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

• Social Security Income

  The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

• Roth IRAs

  Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Tax Planning

• Capital Gain Tax

  Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

• Estate Tax

  Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.

• Gift Tax

  The federal gift tax applies to gifts of property or money while the donor is living.

• Retirement Plan Limits

  IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

• Required Minimum Distributions

  Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

Investing

• Diversification

  An important element to successful investing is to manage investment risk while maintaining the potential for growth.

• Investment Risks

  Understanding different types of investment risk can help investors manage their money more effectively.

• Asset Classes

  There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

• Asset Allocation

  Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.

Cash Management

• Doubling Your Money

  Before making investment decisions, it is helpful to determine the real rate of return on the investment.

• Cash Management Tools

  Short-term cash management instruments can help you establish a sound cash management program.

• Money Market Funds

  Money market funds can be a highly liquid and effective cash management tool.

• Effects of Inflation

  Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

Risk Management

• Long-Term Care Costs

  The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

• Medicare Coverage

  Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?