Annuities Have Long Gotten a Bad Rap. Retirement Experts Now Say Savers Should Consider Basic Options for Guaranteed Income

From: www.barrons.com

Financial planners long have counseled retirement savers to keep a blend of bonds and stocks in their portfolios. The bonds kick off income and the stocks provide growth.

That advice now looks in need of a refresh. Bond yields have been bumping around historical lows for around a decade. And…

Opinion: The hidden risk in your S&P 500 index fund

From: www.marketwatch.com

You’re taking a bet you may not fully realize

How much of your retirement savings are you now gambling on the fortunes of just six companies?

If you’re holding them in an S&P 500 SPX, +0.84% stock market index fund, the answer is: About a quarter.

Are you thinking about retiring early?

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

Life doesn’t always go as planned, and if you’re currently navigating a new set of circumstances that has led you to consider an earlier retirement, it’s important to proceed carefully and thoughtfully.

Is it possible for you to retire early? If so, what’s the best way to go about it?

To start, take a look at these basic considerations…

Avoid a Sweltering Hot Car this Summer

From: americanlifestylemag.com

We’ve all heard the old adage that on particularly warm summer days, it could be hot enough to fry an egg right on the sidewalk. But sometimes it feels like we could do the same right on our car dashboards, too.

Depending on where you live and how long your car has been sitting, it’s internal temperature could skyrocket to more than…

Eaton Vance Parametric Tax-Equivalent Yield Calculator

Your investment decisions. Your tax consequences.

Due to differences in tax treatment, municipal bonds that provide federally tax-exempt interest income typically yield less than taxable bonds. For the same reason, municipal bonds whose interest is exempt from state and local income tax may yield less than municipal bonds whose interest is taxed in a particular jurisdiction. When considering potential investments in different types of bonds, you should evaluate yields on…

David Morgan joins Les Winston on Endow America Network to talk about the four-displine approach to REAP’s wealth and retirement planning strategies, including wealth management, estate planning, tax management and income planning, and how these disciplines are intermingled and coalesce with each other.

Objectives for the NCF 2015 Pooled Income Fund

The NCF 1015 Pooled Income Fund – IOUI has been created to provide long-term growth of principal with an emphasis on distribution of income to income benificiaries. Assets of the PIF will be invested in a manner looking to the relative interests of the income beneficiary and the charitable remainderman.

“Total return” provisions (“TRPIF”) are designed to provide distributable net income, with a secondary investment objective of reasonable…

By Sharon Wagner

Whether due to choice or necessity, many adults stay in the workforce well past retirement age. Unfortunately, many of those seniors work in customer-facing professions where they’re at high risk of contracting COVID-19. Sales and service-related jobs are the second and third most common industries for older workers, with 37 percent of workers aged 55 and up employed in these sectors.

For countless seniors in customer-facing professions, the decision…

4 Security Best Practices to Consider

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

Now that you may be spending more time at home and online, knowing how to keep your sensitive information and conversations safe has become even more important.

Are you following the best practices for protecting your financial details (and other sensitive data)?

Here are four steps you may want to take.

Use a password manager. Do you struggle to remember…

Seniors and Debt: How to Cope with Financial Setbacks Post-Retirement

From: www.annuityfreedom.net

Retirement is supposed to be a time to relax, enjoy simple pleasures, and perhaps check items off your bucket list, like traveling to faraway places. Unfortunately, that worry-free scenario is increasingly rare. Despite decades of working hard and saving, many seniors are finding that unexpected life events have derailed their finances. Medical or dental problems, divorce or widowhood,…