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Most Americans spend more time planning for vacations and holidays than planning for their retirement.1
1 Employee Benefit Research Insitute, 2007

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.

  • April

    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.

    Separate Your Business from Your Portfolio
    Allocating too much of your investment capital to one company — even your own — is a risky proposition.

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