All Posts By

Ken

Retirement
February 12, 2014

Split-Annuity Strategy

A split-annuity strategy involves purchasing two types of annuity contracts: immediate and deferred. The immediate annuity would provide a current income stream during the early years of retirement, and the…
Ken
Love0
Retirement
February 12, 2014

Annuity Living Benefits

Many variable annuity contracts offer “living benefit” guarantees. For an additional cost, the contract holder may be able to purchase guarantees regardless of the account value. Adding a guaranteed minimum…
Ken
Love0
Retirement
February 12, 2014

How Much Do I Need to Save?

Many Americans realize the importance of saving for retirement, but knowing exactly how much they need to save is another issue altogether. With all the information available about retirement, it…
Ken
Love0
Retirement
February 12, 2014

What Is a 1035 Exchange?

Named after Section 1035 of the Internal Revenue Code, a 1035 exchange allows life insurance policy owners (and annuity contract owners) to exchange an old policy (or contract) for a…
Ken
Love0
Retirement
February 12, 2014

Unforgettable Birthdays

Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18.…
Ken
Love0
Retirement
February 12, 2014

Will Social Security Retire Before You Do?

People have traditionally seen Social Security benefits as the foundation of their retirement planning programs. The Social Security contributions deducted from workers’ paychecks have, in effect, served as a government-enforced…
Ken
Love0
Retirement
February 12, 2014

Social Security Income

Estimating your future Social Security benefits used to be a difficult task, but not any longer. For an estimate of your projected benefits, go to ssa.gov/estimator. The retirement estimator gives…
Ken
Love0