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3 min read

Life Insurance vs. a 401(K): Pros and Cons

By EveryIncome on 2/11/21 9:28 AM

The countless choices can be mind boggling while researching your retirement investing options. However, there are certain decisions that should not be either/or.

Topics: Retirement Planning Life Insurance Retirement 401(k) Press Release Financial Security
2 min read

Life Events Impact Your Insurance and Financal Services Needs

By NAIFA on 2/10/21 1:00 PM

Ah, life. It continues whether we are prepared or not. But preparation is key to navigating life events that affect our finances. 

Marriage

Two become one, and that means shared responsibilities and incomes. Let's face it -- life insurance may not be top-of-mind for couples embarking on a lifetime together, but perhaps it should be. If one of you was unable to work, could you afford your mortgage or your day-to-day bills? 

If you start your financial planning early in your marriage, you'll have a better chance for financial success, and you'll increase your future options. 

Topics: Retirement Planning Life Insurance Consumer
1 min read

Three Reasons to Start Planning ASAP for Retirement

By NAIFA on 2/8/21 1:47 PM

Some people forget to plan for the future when they focus on their current situations. While you may think you don't need to worry about retirement yet, you should start planning for it. Doing so can help you in various ways, especially as you put forth effort to plan and start saving for your retirement. Let's talk about the benefits you will enjoy if you start right away on your retirement plan.

Topics: Retirement Planning Financial Security
3 min read

The Beginner’s Guide To Saving For Retirement — At Any Age

By EveryIncome on 2/1/21 4:06 PM

Do you have a retirement savings goal? Do you know how much you need to save?

Chances are good you don’t. Most Americans have no idea how much they need to save to live comfortably in retirement.

People of any age can make a plan, no matter your age.  This advice will help you determine your retirement savings goal — and get there. Starting now.

Topics: Retirement Planning Retirement Financial Security
5 min read

Which Retirement Plan Is Right for You?

By EveryIncome on 1/28/21 10:10 AM

When you retire, do you plan on doing one or more of the following?

Topics: Annuities Retirement Planning Retirement 401(k) Financial Security
2 min read

What Are Mutual Funds?

By EveryIncome on 1/20/21 9:37 AM

Mutual funds are popular investment opportunities: They are a way for investors to pool money to invest in specific assets, from stocks and bonds to other investments. Mutual funds allow the average investor opportunity to diversify their investments while accessing global markets.

Topics: Retirement Planning Retirement Financial Security Savings
2 min read

Is the ‘4 Percent Rule’ for Retirement Still Valid?

By EveryIncome on 1/12/21 1:40 PM

When you retire, how much of your retirement savings can you withdraw each year without running out? One of the general guidelines is the 4 percent rule, but it’s important that you treat it as just that: a guideline.

Topics: Retirement Planning Financial Planning Retirement Financial Security
2 min read

Retirement Planning: Questions To Ask Your Aging Parents

By EveryIncome on 1/5/21 10:16 AM

As people get older, many must begin to rely more upon their children for care and support. Even the most independent retirees often chat with their kids to discuss finances, medical concerns, and housing plans for their golden years. Some people wait until they experience an accident or health scare to share their plans with loved ones, while others put off these conversations until it is too late. People with aging parents (or retirees with adult children) should be proactive about discussing these difficult topics and life decisions. If you are an adult with aging parents, consider sitting down with them to discuss retirement planning, estate planning, and their wishes regarding housing and end-of-life care. 

Topics: Retirement Planning Financial Security

What are the 4 biggest myths about Long-Term Care?

By LTCI Partners on 11/25/20 11:13 AM

More and more baby boomers are becoming familiar with long-term care as they help take care of aging parents. However, there continues to be a lack of understanding about how much long-term care costs and who pays for it. Here are the facts - with an aging population, a shrinking workforce, and reduced government money for financial aid, it will be an issue that impacts everyone. Take a look at these four myths of care:

Topics: Retirement Planning Financial Planning Aging in Place Retirement Gerontology/Aging Financial Literacy
1 min read

New Federal Proposal Protects the Best Interests of Retirement Savers

By NAIFA on 7/7/20 2:52 PM

The Department of Labor has offered a new proposal to “improve investment advice and enhance financial choices for workers and retirees.” The standard set by the new proposal would require financial professionals who provide consumers with retirement planning and advice to act in their clients’ best interests, receive only “reasonable” compensation, and make no materially misleading statements to clients.

Topics: Retirement Planning Retirement

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