Newsletters

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.

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• March

  Hot Topic: Historic Stimulus Strives to Spur Economy
  In an attempt to address the nation's ongoing economic challenges, Congress has passed and the president has signed the American Recovery and Reinvestment Act of 2009. The $787 billion package is remarkable not only in its scale and scope but in the speed of its passage as well.

  Can You Count on Disability Income?
  Disability income insurance replaces a percentage of your salary if you should experience a disability that makes it impossible for you to continue working.

  When It Comes to IRAs, Know Your Limits
  In recent years, IRAs have become the single largest vehicle for retirement savings in the United States.

  Time to Revisit Risk
  During volatile financial times, it is only natural to reconsider your own personal risk tolerance and review the role of risk in your portfolio.

  Another Update on the History of the AMT
  The future of the AMT is nothing but uncertain. Therefore, it is important to consider the potential effect of the AMT on your tax liability in the coming years.

  What You Can Learn from LIBOR
  To investors around the world, LIBOR is more than a mere benchmark for short-term interest rates. It’s a proxy for how global markets view the outlook for the U.S. economy.

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

• February

  Variables You Can Count On
  One way to pursue gains in the stock market while also limiting downside risks is through the use of living benefit guarantees that are offered with some variable annuities (for an additional cost).

  Retirement Is No Reason for a Portfolio to Stop Working
  New research has revealed that nearly 90% of retirement income results from investment returns that are generated after the funds are socked away. This highlights the need to remain diligent when it comes to managing and monitoring investments during the retirement years.

  Essential Fundamental Analysis
  The fact is that the financial markets rely heavily on fundamental analysis in order to set prices and make decisions to buy or sell.

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