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Creating Your Own Private Pension Plan with an Annuity

When people think of a pension plan, they may visualize a regular income arriving each and every month. This is something that many retirees were able to count on in the past from their employers in the form of a defined benefit pension. These plans, often referred to only as “pensions,” were offered to retirees… Continue Reading

The Ultimate Guide To Annuities

Today, people are living longer than ever before in history. This is great news, yet it can also bring about many challenges – especially as it relates to financial planning, as it means that long-term income must be stretched out for a much longer period of time. What was once just a few short years… Continue Reading

Choosing the Right Annuity Income Payout Stream

Annuities can be an ideal way to secure an ongoing income in retirement. Today, with the near disappearance of defined benefit pension plans, along with a shaky Social Security program, many retirees are unsure where to turn to obtain the income – or the additional income – that they need. Having an annuity that provides… Continue Reading

What Is The Difference Between An Immediate And A Deferred Annuity?

Today, those who are approaching retirement are seeking ways of ensuring that they will have enough income to pay their living expenses – as well as possibly more for other activities such as travel and fun. In the past, those who worked for certain companies were able to rely on defined benefit pension plans for… Continue Reading

What Happens If You Die Before Receiving All of Your Annuity Income?

Owning an annuity can be a great way to ensure that you – and possibly even your spouse or significant other – has a guaranteed income that will last throughout the remainder of your lifetime, regardless of what occurs in the market, or even in the economy overall. Today’s annuities have a number of features… Continue Reading

Understanding The Difference Between Fixed And Variable Annuities

Annuities can provide you with a way to save for retirement. They can also provide a way to receive a guaranteed source of income for life that literally cannot be outlived – regardless of how long you may live – no matter what occurs in the market, or even in the overall economy, in certain… Continue Reading

Avoiding Medicare Fraud & Scams

Scamming people to take their money or someone else’s money is not a new phenomenon, but it is becoming more common. Scammers are constantly thinking of new ways to con you out of your hard-earned money. Not only will they take their money, but you’ll also have to spend hours on the phone trying to… Continue Reading

Medicare and Mental Health

While not often talked about, mental health is one of the most important health issues related to Medicare enrollees and plays a significant role in overall happiness. Because mental health is such an important part of our lives, as people enter into Medicare, they wonder if their Medicare policy will cover the costs of any… Continue Reading

Medicare and Long-Term Care

As Medicare enrollees continue to age, it’s common that they, or someone they love, will need a form of long-term care to help them live happy lives. Because long-term care is so common, we often get asked about Medicare’s coverage of long-term care and how much it will pay for. Long-term care is defined as… Continue Reading

Failing ObamaCare Co-Ops, Medicare to the Rescue

CMA recently unveiled a change in rules that could help struggling co-op plans created under the Affordable Care Act. The rule is a last ditch effort to keep all of the remaining 11 cooperatives left from the original 23 created. These 23 co-ops were set up under the health care reform to create more competition… Continue Reading

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