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…
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.…
February 12, 2014
Don’t Bank Your Retirement on Your Business
Investing in your own business makes sense. Many businesses achieve significant growth each year. However, when you consider that many small businesses fold every year, it becomes clear that banking…
February 12, 2014
What Are My Retirement Planning Options?
There are a variety of retirement planning options that can meet your needs. Your employer funds some; you fund some. Bear in mind that, in most cases, early withdrawals before…
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…
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…
February 12, 2014
What Is a Self-Employed Retirement Plan?
A self-employed retirement plan is a tax-deferred retirement savings program for self-employed individuals. In the past, the term "Keogh plan" or "H.R. 10 plan" was used to distinguish a retirement…
February 12, 2014
Indexed Annuities
If you want to participate in the potentially attractive returns of a market-driven investment but would also like a guaranteed return, an indexed annuity might be worth checking out. The…
February 12, 2014
Retirement Plan Distributions
When it comes to receiving the fruits of your labor — the money accumulated in your employer-sponsored retirement plan — you are faced with a few broad options. Should you…
February 12, 2014
What Is a Traditional IRA?
Traditional individual retirement accounts (IRAs) can be a good way to save for retirement. If you do not participate in an employer-sponsored retirement plan or would like to supplement that…
