Newsletters

Forty-three percent of Americans spent more time planning their most recent vacation than planning for their retirement.^1
1 AARP, 2008

Will you outlive your retirement income?  How much liability insurance should you have? Should you add stocks to your portfolio?  Are your financial expectations for the coming year realistic?

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics.  Simply click on one of the newsletter topics below to read the article in its entirety.

Before implementing any strategy discussed herein, you should consult with your own financial, tax, and/or legal advisors to determine its applicability in light of your own situation.

Most insurance policies and annuity contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. Your representative can provide you with costs and complete details.

The information contained in this article is not intended to (and cannot) be used by anyone to avoid IRS penalties. These articles supports the promotion and marketing of this [life insurance, annuity, long term care, disability, pension, etc. You should seek advice based on your particular circumstances from an independent tax advisor.

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• November

  Playing Catch-Up with Contributions
  Something as simple as increasing your contributions to tax-advantaged retirement programs can go a long way toward helping you pursue your long-term financial goals.

• October

  Making Moves to the Money Market
  Money market funds are mutual funds that invest solely in cash-equivalent assets that are categorized as low-risk, low-return investments.

• May

  A Question of Identity
  Not only is identity theft costly, it can also be a major hassle that affects a person’s credit score for years. The key to preventing ID theft is awareness.

  Exchange-Traded Funds Can Be for Conservative Portfolios, Too
  If you avoided ETFs because they were predominantly composed of stocks, the growing availability of bond ETFs might warrant a second look.

  The Land of Income Mobility
  In America, just about anyone who is dissatisfied with his income has the opportunity to roll up his sleeves and move into a different income bracket.

  Recapping Market Capitalization
  The blurring of lines between large-cap, mid-cap, and small-cap companies is an indication that it may be time to evaluate whether your portfolio holdings have shifted toward or away from your investment objectives.

  Quick Facts - May 2009
  Information about Retirement, Long Term Care and the Mature Markets

• April

  HOT TOPIC: The Fed Plans to Spend Trillion or More to Spur Growth
  For the first time in a generation, the Federal Reserve has undertaken a campaign to influence long-term interest rates, a departure from recent monetary policy that has focused almost exclusively on short-term rates.

  Never Too Old—or Too Rich—to Consider Life Insurance
  There are many possible reasons to consider owning life insurance, even if you have convinced yourself that it's no longer necessary in your situation.

  Avoid the Timing Trap
  Market timing is a risky approach that could have a significant effect on a portfolio’s long-term performance.

  Income Now or Later
  Immediate and deferred fixed annuities are insurance products that could help retirees safeguard some of their nest eggs and provide a steady income stream throughout retirement.

  Defend Your Retirement from Inflation
  Over long periods, inflation can pose a significant threat to quality of life for retirees, primarily because it reduces the purchasing power of their retirement incomes.

  Quick Facts - April 2009
  Information about Retirement, Long Term Care and the Mature Markets