What is an Annuity? An annuity is a financial product that can be used to accumulate cash value on a tax-deferred basis. Annuities can be a great tool for individuals to secure retirement income or to convert existing assets into a stream of income. There are four main changes everyone faces in retirement—longer life expectancies, taxes, inflation, and market volatility—and …

Broadly speaking, estate planning is the process of structuring your assets to provide maximum efficiency when transferring to heirs at minimum expense and effort. Without a properly shaped estate plan, your financial wishes may not be fulfilled and your beneficiaries could be needlessly burdened—both emotionally and financially.  Although the basics of estate planning are sometimes as simple as designating beneficiaries …

One of the most imperative decisions you can make in regards to your retirement is when to start receiving your Social Security benefit. There are pros and cons to delaying your benefit, as well as receiving it as soon as you become eligible – at age 62. We can help you navigate this process by showing you precisely what to …

What is Retirement Planning? In broad terms, retirement planning is the saving and allocation of finances for the purpose of retirement and financial independence. Although the underlying principle of retirement—save and invest early—is rather simple, the mechanics of retirement planning can be complicated. This is because the shape of retirement has significantly changed over the years and individuals are now …