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Annuities

Long Term Care Benefits With Annuities

Long Term Care (LTC) is a legitimate concern for retirees and with traditional Long Term Care Insurance on the decline, many retirees are looking elsewhere to solve the need for some type of protection.  Recently the annuity industry has addressed the need for LTC with two types of annuity designs, the use of Income Riders and annuity products that increase values specifically for LTC. Income R...
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The Annuity as a Bond Alternative

In the past bonds have been effectively used as an additional asset class to reduce the risk of holding a 100% stock portfolio. The traditional 60/40 mix of stocks and bonds has defined the moderate portfolio for years, and today target maturity mutual funds are commonly used, which will increase the bond allocation as one nears retirement to reduce the overall portfolio risk. With today’s hist...
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How an Annuity Can Lower the Tax on Social Security

A major point of frustration for many retirees is paying tax on their Social Security benefits.  In some cases an individual or married couple will exceed the income thresholds with pension income and cannot do anything about the tax of their Social Security, but they may be able to control how much of their Social Security is taxed. In other cases by doing some strategic planning, the entire tax ...
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Annuities’ Grand Design: Guaranteeing Income In Retirement

Longevity and good health should be the goal for all of us and it shouldn’t be adverse to our financial situation, but it can be. Because retirees are living so much longer, they also run the risk of outliving their portfolios, especially with today’s market conditions. Modern mortality tables show that there is a 50% chance that a surviving spouse will live to age 92 and a 25% chance that they wi...
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