We specialize in retirement plans that provide 100% protection to your retirement nest egg when the market goes sour, that are income oriented and that provide 2 to 4 times more income than a standard 401K or IRA plan. Continue reading

Every self-employed individual should consider an Indexed Universal Life plans as a retirement vehicle. A Traditional IRA plan invested in stocks and bonds provides 2 to 3 times less retirement income than an indexed universal life plan. A 44 year old who invests $6K annually in an IRA in stocks via mutual funds can expect retirement income of $11,060 a year, subject to taxes, at age 68. The 44 year old could expect retirement income of $34,627 a year if the same $6,000 were invested in an indexed universal life plan. Continue reading

The articles in Fox Business News encouraging business owners, doctors and lawyers to use indexed universal life for retirement -- and not IRAs, Roth IRAs, or 401k plans -- also apply to you. The advice given to business owners, doctors and attorneys is also good advice for the average American. Indexed Universal life plans can be a perfect retirement income vehicle. Be sure to have an income projection illustration ran. Continue reading

This is the second article in our series 'The Objective of Retirement Income Planning is Building a Personal Pension.' The average person may be surprised to learn their local doctor, dentist, lawyer or business owner are often building a personal pension with Indexed Universal Life insurance policies instead of the typical IRA or 401k plan. Stay tuned as we explore how you can have more income in retirement on a tax-free basis and reach the objective of a tax-free personal pension that will pay you for the rest of your life without having a single year where you lose a single dime. Continue reading

The objective of retirement income planning is to build a personal pension with the least amount of risk that will allow you to have the most, guaranteed income for the rest of your life. Many individuals however lack a clear, precise target in retirement planning. Perhaps that is you. Some are mistakenly focused on the wrong target. Those focused on building the largest nest egg possible and living off those savings are often in the group focusing on the 'wrong target'. Continue reading

The individual carefully building his retirement nest egg should consider indexed annuities with an income rider. The income riders on the top indexed annuity products guarantee one's nest egg will grow by six (6%) or more for as long as 20 years. Indexed annuities with income riders have outperformed the S & P 500 index by 34% over the last 10 years. They enjoy an 83% "highly satisfied" rate with readers of the Wall Street journal. The 'lifetime income annuities' should be part of your 401k and IRA portfolio, and used when the time arises to pursue a 401k or IRA rollover. Continue reading

Many Americans have fallen into the "retirement savings trap". Have you fallen into it as well? You have fallen into that trap if your constant focus is on the balance of your IRA or 401k account...as it rises up and down with the stock market. That actually is a 'retirement hope plan'. You are hoping the stock market rises so the balance of your 401K account will also rise. Continue reading

Americans are using indexed annuities with lifetime income riders to grow their retirement nest egg and shield their retirement savings from the risks of the stock market. The Wall Street Journal underscored the change in America's retirement sentiment by recently noting Americans are 'highly satisfied" with fixed indexed annuities as they plan for retirement. Continue reading

Americans are using indexed annuities with lifetime income riders to grow their retirement nest egg and shield their retirement savings from the risks of the stock market. The Wall Street Journal underscored the change in America's retirement sentiment by recently noting Americans are 'highly satisfied" with fixed indexed annuities as they plan for retirement. Continue reading

There has been a nationwide shift in retirement planning. The shift has been to build one’s retirement nest egg with indexed annuities which have a Lifetime Income Rider instead of using stocks and bonds. Question: Have You Made the shift from mutual funds to indexed annuities with income riders to grow your retirement nest egg? Continue reading

Building a Retirement Nest Egg w/Indexed Annuities There has been a nationwide shift in retirement planning. The shift has been to build one’s retirement nest egg with indexed annuities which have a Lifetime Income Rider instead of using stocks and bonds. Question: Have You Made the shift from mutual funds to indexed annuities with income riders to grow your retirement nest egg? Continue reading

An increasing number of Americans are using 'lifetime income riders' of indexed annuities to build a retirement nest egg. Perhaps you have not considered using a guaranteed lifetime income rider for your 401k or IRA account. If you are within 20 years of retirement, there is a very good chance your 'retirement nest egg' may be twice as large....and you will have twice as much money in guaranteed income that will last the rest of your life. One of our readers recently asked whether a lifetime income rider of an indexed annuity was a good way to 'accumulate' or build a retirement nest egg. Here is our response.... Continue reading

You may wondering whether you should allocate retirement funds to an annuity that will guarantee income for life. CNBC’s recent article, 'Does Your 401k Have an Annuity?' underscores that 90% of of Americans want guaranteed income free from market risks from their 401k funds....and not just a lump sum of money. It begs the question...Why? Continue reading

Dear Jonah, Our journey together as ‘father and son’ has come to a fork in the road. You will truly take a step down one road in life and the future steps I will take will lead down a separate road. Few will be the times that the roads intersect. It makes our times together so very, very special. It makes the memories of you and your brothers cherished in every way. We will rarely have the chance again to enjoy each other's company, hear each other’s thoughts, have friendly disagreements or be comforted by the unspoken bond of our... Continue reading

Americans have made indexed annuities with lifetime income riders the preferred vehicle for retirement income planning. The use of indexed annuities with income riders represents a subtle but extremely important step for the individual planning for this retirement...what will my income be in retirement? For years, the emphasis of Retirement Planning has been on the size of one's nest egg. The idea was to build the biggest nest egg possible. That idea ran into the stark realities that the stock market is fraught with risks. Continue reading

There has been a significant shift by Americans to invest their retirement funds in Indexed Annuities with a lifetime income rider. Indexed annuities were the preferred annuity of choice in the first quarter of 2012. The recent 401k fee disclosure rules will result in indexed annuities being incorporated in more401k plans as a way for the average American to eliminate fees and expenses eating away at his retirement nest egg. Continue reading

General Motors recently made the decision to move its pension funds for retired salaried workers out of the market into an annuity with Prudential Life Insurance Company. You also can reach the same retirement income goal with less money. The savvy investor would be wise to move his 401k or IRA account into a lifetime income annuity just as GM did. There is no need to expose one's lifetime savings to the ups and downs of the market. Indexed annuities with a lifetime income rider have become the annuity of choice for Americans. They were the fastest growing of all annuities in the first quarter of 2012. Continue reading

Paul provides a thought on spiritual encouragement that speaks to the heart of all of our relationships. He talks about the 'goal of our instruction' when speaking to others (I Timothy 1:5). Continue reading

The mentoring relationship between Paul and Timothy contained lessons on sharing with others. The initial message was a simple one...words matter. Paul encouraged Timothy to stay at Ephesus because some focused on teachings that did not result in living by faith. Continue reading

The initial glimpse into the relationship between Paul and Timothy is one of trust. Timothy was contemplating leaving Ephesus for some reason. Paul reminded him of the conversation of their last visit. It was important that Timothy challenge those who were teaching a message that led God's people to lose the focus of living by faith. Continue reading

The fastest growing retirement vehicle in America in the first quarter of 2012 was the fixed, indexed annuity with a lifetime income rider. (see article here). There are a couple of practical reasons why the indexed annuity is being chosen by individual and by companies within their 401k plans Continue reading

There is a common acceptance of a mentor's value in the business world. Quite often the relationship involves out of the natural lines of reporting in one's corporate hierarachy. There are other times when a leader identifies an individual in his organization that has a special aptitude or talent that could result in a greater contribution if developed. Continue reading

The decision of General Motors to move their pension plan funds into indexed annuities has lessons for ever one concerned about their retirement. It speaks to the changes taking place in Retirement Planning in America. Companies with 401k plans, individuals with 401k Rollover monies, and those with IRA accounts should consider the lessons of General Motors. The lesson is the use of indexed annuities in 401k or IRA plans for retirement. Continue reading

The reader concerned about his retirement income should carefully weigh the press release of the U.S. Treasury on longevity annuities a/k/a lifetime income annuities in 401k plans. Our recent article, Why is the U.S. Treasury Recommending Lifetime Income Annuities?...A Larger Nest Egg, tells half of the story. The other half of the story is the one most important to you -- your retirement income. Continue reading

Americans are learning that lifetime income annuities build a larger retirement nest egg than retirement monies in stocks...and provide more retirement income. Americans are now encouraged by the U.S. Treasury to invest retirement monies in lifetime income annuities. The efforts of the U.S. Treasury department mirror those of the National Retirement Planning Coalition (the nation's largest retirement organization ), and all of the leading national retirement associations. The message is clear: Your retirement monies should be in lifetime income annuities and not in stocks. Continue reading