Retirement Income
How are you planning for retirement income? What are some of the forces you are up against, and what do you need to be aware of for retirement income when making long term plans?A few major concerns are:
Stock Market Volatility-
Dramatic swings in the market seriously hinder long-term growth. But, safe steady growth always holds up competitively with a high risk/high return approach over the long haul. Please refer to “Which 10%” for a discussion of this reality.
Global Financial Uncertainty-
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We live in a time of unprecedented volatility and uncertainty. But the Long Term Investor does not let widespread fears spread by talking heads in the investor class derail a plan for reasonable growth of assets and protection from eroding factors such as taxes and inflation.
Preservation of Capital-
Protecting your money is just as important as growing your asset base. By looking back on 2008, you can find the companies that continued to grow. Some of those companies also achieved record results while avoiding the disasters that struck the broad financial industry. Aren’t those the kind of partners you want in business?
Demographic Reality-
As our American population ages, more and more responsibility shifts to Social Security and other government programs to serve the needs and income of retirees. Will these programs always function and be solvent? Can YOU rely on it? Individuals must make retirement plans independent of the Government. Looking at the major forces at work, a logical analysis leads an investor to consider Annuities as a piece of the Retirement puzzle. We want security and preservation of capital in an unpredictable world. And we want to know that external and political forces will not jeopardize our quality of life in retirement. Please, use the resources of this site and get our Free report below. An analytical and conservative approach to planning for retirement income is more important than ever. Consider annuities with the maximum available combination of Safety, Flexibility, and Profitability as a critical piece of your financial picture.
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Recent Posts
- Low Rates Expected Until 2014
Arguably the most damaging effect of low interest rates is the impact it has on people approaching retirement and looking for more safety. Traditional safe havens such as CDs pay very little interest in relation to the time commitment required. And I’ll admit that selling annuities in this climate is challenging to say the least.
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- Calculating Yields in the Secondary Market
Nearly every time we send out an email with new secondary market annuity offers, several inquiries come back with people asking how the return is calculated.
Let’s see an example that everyone can relate to…
Assume a purchase price of $282,951 where monthly income payments of $1500 begin one month from today and continue for [...]
- On Cashing Out In Retirement
The tools used to maximize pre-retirement asset accumulation are not the tools of retirement income generation. Maximizing retirement income is just outside the scope of expertise for most traditional advisors and individuals because of the biggest unknown: life expectancy.
An individual seeking to maintain full control over their money, and setting their own withdrawal rate, [...]
- The $440 Billion Pension Gap
This distressing article highlights the issues pensions face meeting their promises to retirees. According to the article, 14% of the nations workforce still participates in some sort of employer sponsored, defined benefit plan. Yet, "The third quarter 2011 was the second worst in history for pension liabilities," due primarily to unrealistic assumptions and enduring low [...]
- Low Rates Expected Until 2014

Income For Life




