Authored By Kenneth Reeves, Apex Financial How does one retire during a recession or market downturn? In retirement, timing is everything, as it is in much of life. While attempting to retire during a financial downturn may seem unwise, many people may not have another choice. By Ken Reeves Those who want or need [...]
by Sean Sparkman And how do RILAs differ from a fixed- index annuities? Both fixed-index annuities (FIAs) and registered index-linked annuities (RILAs) are products that create additional income streams in retirement. However, the two types of products differ in their risk levels of risk exposure. FIA contracts ensure the safety of your initial investment [...]
Money Metals Exchange “There are three kinds of people in this world: people who make it happen, people who watch what happens, and people who wonder what happened.” Former Los Angeles Dodger Manager Tommy Lasorda. Whether or not you like baseball, you can probably appreciate the intricate planning that goes into every inning of [...]
By Eric Coons Roth IRAs arrived as a retirement savings option in 1998 to great critical acclaim. Financial professionals lauded the tax-deferred growth and tax-free earnings withdrawals of Roths. Another popular feature of these accounts was that they were not subject to required minimum distributions (RMDs.) Initially, Roths weren't that widely available. There were [...]
"Most Americans know they're likely to need some kind of long term care, but few know exactly how they'll pay for it."- Jim Fish by Jim Fish Jane and her husband Dave were only two years into retirement when they received devastating news. Dave, who had been experiencing symptoms he jokingly referred to as "senior [...]
By Andrew Winnett If you went to Sunday school or church growing up, you've probably heard the Old Testament story of Joseph. Here's a quick refresher: A young man has a dream, interprets the dream as a message from God, takes action, is ridiculed and abused, and winds up as an enslaved person. Then, because [...]
Ken Reeves seeks to Dispel Myths That Cost Retirees Money PRESS RELEASE Birmingham, Alabama Advisor Ken Reeves' Apex Financial Group LLC Launches New Podcast to Dispel Myths That Cost Retirees Money Helping retirees avoid money mistakes: Apex Financial Group LLC launches a new no-nonsense podcast aimed at Americans 45 and older who don't want to [...]
Authored By Teresa Kuhn, JD, RFC, CSA - TeresaKuhn.com *Teresa's latest book, "The 100 Year Real Estate Investor," is set to hit outlets, including Amazon, this fall. When you become a 100 Year Real Estate investor, you harness the power of something our team likes to call the "Dual Asset Strategy or DAS." A [...]
Should a younger investor consider buying an annuity? When they align with a person's risk tolerance and financial goals, annuities can be powerful additions to anyone's investment portfolio, even those many years away from retirement. If you value moderate, steady growth with guaranteed protection of your principal or are concerned you'll outlive your savings; an [...]
Authored By George Politarhos, Patria Wealth Generic, templated approaches to financial planning can work for some people during the “accumulation” phase of their financial lives. However, as a person gets within five to seven years of retirement, it becomes obvious that “one-size-fits-most” recommendations fall far short of the mark. That’s because retirees differ from one [...]
Authored By George Politarhos As with many non-federal savings plans, it is possible to take out a loan on your Thrift Savings Plan. However, most experts, including those at the Office of Personnel Management (OPM), will tell their clients to exhaust every other loan option before touching their TSP accounts. Before examining the downside [...]
"The so-called "Great Unretirement," has been getting a lot of attention lately, but this trend is far from being a new phenomenon." Paul Hubbard III By Paul Hubbard III The Great Unretirement is far from being a novel phenomenon. In 2020, The Bureau of Labor Statistics (BLS) did a study indicating that un-retiring has [...]
