The Edgeworth Insurance Group Logo The Edgeworth Insurance Group
Joseph Edgeworth

Joe Edgeworth

Joe has been a financial planner since 1992, working with individuals, families and businesses. His company focuses on teaching people how they can invest their money safely, with a 100% guarantee of their principle, earn a very respectable rate of return, and have income guaranteed for their lifetime. Joe has also shown over 2,000 people how to protect their nest egg and their loved ones from the catastrophic cost of Long-Term Care, along with showing parents and grandparents how to safely and tax efficiently transfer their wealth to their children.

The Edgeworth Insurance Group

2715 Spring Valley Rd.

Lancaster, Pennsylvania 17601

joe.edgeworth@retirevillage.com (800) 824-8609

Article Library

Your Credit Score in Retirement

Just because you retire does not minimize the importance of your credit. How you manage finances during retirement can impact your credit and thus your ability to borrow or increase the interest rates you pay.

RetirementPlanning
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Managing Stealth Retirement Expenses

Take a look at some of the potential financial surprises in retirement-and how you can prepare for them.

RetirementPlanning
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Understanding Lump Sum Pension Buyouts

While it is possible to take a lump sum payment, invest it wisely, and benefit from the situation in various ways, it’s important to remember that you are fully responsible for making that lump sum last throughout your entire retirement.

RetirementPlanning
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Annual Financial To-Do List

The year end is upon us, it is time to make any changes that can help you plan for maximizing your tax year.

Taxes Insurance
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Five Tips for Cybersecurity Consciousness

Americans top worries about crime are having your personal, credit card or financial information stolen by computer hackers and & being the victim of identity theft.

Volatility in the stock market is back, and it might be a warning shot.

Historically, all bull markets come to an end. And the longer the bull market, the worse the correction.

RetirementPlanning
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What Are Annuities?

An annuity describes a contract offered by an insurance company that allows you to accumulate funds for retirement on a tax-deferred basis.

Annuities RetirementPlanning
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Tax Scams: IRS Dirty Dozen

Tax scams are prevalent throughout the internet; here are a few that are so obvious that following them as advice will clearly endanger your physical freedom.

Elder Abuse and Tax Scam Issues

Regardless of what happens with the DOL ruling and other regulatory issues, one thing will become more and more relevant in our business. Congress, the individual states and local agencies will turn a hard focus on elder abuse.

Taxes Annuities
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Consider health planning when thinking about retirement planning

One of the biggest challenges to retirement saving and health planning is that people frequently wait too long to begin saving.

RetirementPlanning
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Should You Have Debt In Retirement?

Most financial planners urge their clients to eliminate as much debt as possible before they retire. While this is indeed a sensible approach to avoid having bad debt upend your retirement plans, life often has other plans.

RetirementPlanning Annuities EstatePlanning SocialSecurity Taxes
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Muni Bonds Generate Tax Free Interest - Or Do They?

Here is an overview of municipal bonds including potential tax liability

Invisible Fees in Mutual Funds

Transparency in the financial world has traditionally been lacking. As information sources have increased, along with it has come more opportunities to look behind the curtain

Investing
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Women are Not Equal to Men in Retirement

A recent report from National Institute on Retirement shows shocking results regarding women in retirement. The report shows that women in retirement are 80% more likely than men to be impoverished.

RetirementPlanning
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The Pros and Cons of Investing In and Owning Gold

Throughout history, gold has easily been the most alluring of possessions.

Investing
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Promissory Notes May Not Be Real Promises

If you are considering the purchase of a promissory note, be aware of warning signs that may signal a scam.

Investing
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The Good News: The Longer You Live, The Longer You Live

The Bad News: Insurance Companies Are Rolling Out New Rates to Reflect the Increase In Life Expectancy

Annuities RetirementPlanning
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Annuities and Asset Protection

Explore the options available in your state of residence

EstatePlanning Annuities
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Get a Paycheck for Life with the Guaranteed Lifetime Income Rider

The definition of growing old in America continues to change. Income is now king!

RetirementPlanning Annuities
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Self Direct Your Individual Retirement Account To Match Your Goals

Making your own decisions in retirement planning takes work and study

RetirementPlanning
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A Comprehensive Guide To Annuities and Annuity Investing

Do you know how much the fees and expenses associated with your retirement investments are?

Annuities RetirementPlanning
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Women Focused Financial Planning

In reality women live longer than men, planning for that should require extra thinking

RetirementPlanning FinancialPlanning
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Five Reasons Women Should Consider Annuities For Retirement

An annuity can be a powerful tool for reaching goals in life that are basic to security.

Annuities RetirementPlanning
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Understand Your Social Security Survivorship Benefits

How do you maximize your Social Security benefits?

SocialSecurity
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Fixed Indexed Annuities Fact or Fiction

These conservative investments have become a popular alternative to bonds.

Annuities
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7 Things Should You Know About Social Security

When should you apply for benefits? Consider a few factors first.

RetirementPlanning
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Avoiding Future Family Squabbles By Getting Started With Basic Estate Planning

What steps may help assets transfer without a fight?

EstatePlanning
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Retirement Shortfalls Create Stress

Why aren’t we saving as much as we should?

RetirementPlanning Annuities
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Minimizing Probate By Using a POD and a TOD

What can you do to lessen its impact for your heirs?

EstatePlanning
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Couples Retirement Needs

Agreeing about what you want from retirement is crucial.

RetirementPlanning
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Do You Know And Understand Your Risk Tolerance

When was the last time you looked at the content of your portfolio?

Investing
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It’s Time to Review Your Life Insurance

Are you underinsured, or not insured at all?

Insurance RetirementPlanning
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Retirement Planning With Overlooked Expenses

It is only wise to consider what Medicare won’t cover in the future.

RetirementPlanning Annuities
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Women and Longevity Risk

Life is volatile and changes will happen, build your foundation

RetirementPlanning
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Charitable And Individual Gifting Considerations

f you are making charitable donations, the right moves could bring more benefits to the charity and to you.

Annuities
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Long Term Care Insurance and Increasing Premiums

It is estimated that 70 percent of Americans who reach the age of 65 will need some form of long term care in their lives for an average of three years

Insurance
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10 Solid Reasons To Consider An Annuity For Your Retirement Foundation

Build your foundation first in retirement planning

Annuities RetirementPlanning
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Making Retirement Savings Last

Different ways to respond to the challenge.

RetirementPlanning Annuities
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Choosing the Correct Beneficiary is Essential

Who have you designated to inherit your IRA, Annuity, Life Insurance policy or 401(k)? A review may be in order.

Insurance EstatePlanning
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One Of The Best Financial Products Of Which Few People Have Heard

Many people have discovered how a QLAC can help with retirement planning

RetirementPlanning
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Common Money Myths That Keep You Confused

Are you confused and frustrated about money?

FinancialPlanning
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To Bonds Or Not To Bonds That Is The Question

Have bonds earned a place in your portfolio?

Why Should I Plan If I Don’t Ever Want To Retire?

“Many people, especially small business owners and entrepreneurs, say they never want to retire.

RetirementPlanning
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Shaquille O’Neal, A Billion Dollars and Annuities

From the NBA to annuities, from free throws to guaranteed income.

Annuities RetirementPlanning
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Longevity! Can You Insure It? Yes!

There is a secret about longevity, living a long time. The secret is simple: The longer you live, the longer you live!

Annuities
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Ever Wonder How the Stock Market Works?

Every night watching the news, we are bombarded with stories about the stock market, how it goes up or goes down.

Investing
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When Harry and Sally Met Their 401(k)

Harry and Sally White are regular people.

Are US Treasuries A Smart Bet For You?

US Treasuries are the safest possible place to invest your money. There is nothing on planet earth safer.

USTreasuries Investing
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What Is The Color Of Your Money — Red or Green?

Red, green, maybe. It might be time to learn what these colors mean when it comes to your retirement account.

Annuities FinancialPlanning
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Should You Downsize When You Retire?

Many retirees have discovered that downsizing is an expensive decision. Sometimes it makes sense to leave things alone.”

RetirementPlanning RealEstate
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Temporary Inflation Can Damage Retirement Planning

Even “temporary” inflation can drain off large amounts of your wealth

RetirementPlanning
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Why Your Spend Down Retirement Phase Requires Planning

“The late ’50s to early ’60s is the perfect time to increase your savings, build out your stake in safe money products, and re-evaluate your portfolio.”

RetirementPlanning
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Does Your Financial Plan Have A Cavity?

“Seniors leaving the workforce are often taken by surprise when they lose their dental insurance. Out-of-pocket dental expenses can eat away at your retirement nest egg.”

RetirementPlanning
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Sequence Of Returns Risk

What is the “sequence of returns” risk, and how can it negatively impact your retirement savings?

RetirementPlanning
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Running Out of Money Before You Run Out Of Life

Don’t let your money die before you do

Annuities RetirementPlanning
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How much money do I need in retirement?

One of the thorniest issues facing retirees is how to determine much money they will be able to spend when they no longer work.

RetirementPlanning
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What is Probate? How does it work?

There are avenues available to avoid probate expense

EstatePlanning
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Mistakes That Could Make Retirement Challenging.

"Making any of these common mistakes could mean you will have to struggle more when you no longer get a paycheck.”

RetirementPlanning
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If You Go Phishing, Make Sure You Are Not The Bait

“I remember how trusting my parents were with people, no more. Now you must be in guard all of the time.”

FinancialPlanning
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Charitable Gift Annuities

Maybe a Charitable Gift Annuity can help you reach your goals.

Annuities
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It’s Not Financial Rocket Science

Is your goal managing or eliminating risk?

RetirementPlanning
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Anger Emotions And The Lack Of Information

I’m seeking some “advice from management”. This is a request for a long-time friend and marketing partner.

Annuities
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Social Security Will Run Out of Money

Social Security will never run out of money.

SocialSecurity
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Estate Planning – Get Organized!

Organization can help make good decisions for estate planning.

EstatePlanning
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The Biggest Problem Facing Retirees Is Medicare Reimbursements

The most significant problem facing retirees is not the cost of buying the insurance, it is the cost of medical reimbursements.

RetirementPlanning
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The Baby Boomers Are Overpowering the Health Care System

For over 100 years, the discussion of a national health care system in America has been both a hot and cold discussion.

EstatePlanning Insurance
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Even “temporary” inflation can drain off large amounts of your wealth

Even if increased inflation lasts only a few years, it can wipe out a significant part of your retirement savings.

RetirementPlanning
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Social Security: You need to understand your benefits and options

Deciding when to take Social Security benefits is an important life decision.

RetirementPlanning SocialSecurity
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INcome Versus IFcome

It is not necessarily the amount of money you have; it is the amount of income you can get off of it for the rest of your life.

RetirementPlanning Annuities
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Annuities, The Big Three: Fixed Interest, Fixed Indexed, and Variable

Annuities offer numerous options

Annuities Investing
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Variable Annuities | Tips to fully understanding variable annuities

Beware of the fees, expenses and lack of guarantees when considering a variable annuity

Annuities Investing
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Should You Be Concerned About Required Minimum Distributions

If your Required Minimum Distribution is not managed properly you may be exposed to additional tax liability.

RetirementPlanning
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Why Both Spouses Must Be Involved When It Comes To Retirement Planning

There are numerous reasons for making retirement and income planning a joint affair. No matter how challenging or tedious you find money matters, you must play a role in all significant financial life decisions if you are married.

RetirementPlanning Insurance
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Why Interest Rates Are Low And Will Stay That Way Well, at least for a while.

The simple answer is this, the lower the interest rate, the lower the payment obligations.

Business Annuities USTreasuries
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Market Volatility: Safety Nets Are Available

Several noted economists and distinguished investors are indicating a bumpy ride ahead for the stock market, not only in America but worldwide.

Annuities USTreasuries
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Savings Bonds and Tax Deferral

Savings Bonds and tax liability, make sure you undertand the details

Bonds RetirementPlanning
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What Interest Rate Do Bonds Pay?

If an investor is thinking of investing in bonds, the first rule to learn is: a bond is nothing more than a debt instrument, a loan.

What Happens To Bonds and Annuities If Interest Rates Rise

Interest rate changes may hurt the value of your bonds.

Bonds Annuities
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5 Things Every Baby Boomer Needs To Know About Annuities

Baby Boomers can benefit from these myths and truths.

Annuities RetirementPlanning Investing
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Are Your Boomerang Kids Retiring With You?

Have you delayed retirement because of the obligation to raise and educated children who stayed way too long after college?

RetirementPlanning
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Is Financial Planning Different Than Retirement Planning

What is the difference? Make sure you know.

RetirementPlanning SocialSecurity Annuities
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Divorce Can Be Very Costly To Retirement Planning

No one wants to think or talk about divorce, but the reality is, it does happen. Many people who plan to get divorced hold the misconception that they will be able to maintain their current financial lifestyle.

RetirementPlanning
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The Next Major Annuity Market Is Massive: Women

Women live longer than men, an annuity with a lifetime income might make good sense.

Annuities RetirementPlanning
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Wall Street’s Latest Attempt To Create An Annuity: Bond Tents

Beware of bond tents that are disguised to act like an annuity.

Annuities RetirementPlanning
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Questions & Answers Regarding Probate

Questions Regarding Probate

EstatePlanning
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Annuities: How long have they been around?

How long have annuities been in existence? Who created them?

Annuities
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Is the Stock Market Being Artificially Manipulated

Being on Wall Street means being in The Old Boy’s Club.

Investing
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20 Questions To Ask When Interviewing Annuity Agents

Finding a competent annuity salesperson is not especially easy.

Annuities
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The Curtain Is Drawn Back On Bond Sales

It seems to me that when Wall Street makes a deal on some new variation of an old idea, it ends badly, sometimes for them and generally for the customer.

Use The Bank Ladder Approach To Increase Yield On Your Bank Deposits

This simple and yet efficient approach to solving interest rate volatility can work for you.

Investing
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The New Corporate Business Plan: Outsource Pension Liability And Improve Profits

The New Corporate Business Plan: Outsource Pension Liability And Improve Profits

RetirementPlanning
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Transparency It Had To Come We Knew It All Along

Disclosure Disclosure Disclosure

More Americans Are Drifting Into And Dying In Poverty

According to 2019 census data, 10% of those 65 and older fell below the official poverty measure. However, that number rose to 14.4% by 2020.

RetirementPlanning
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Investors, Teenage Girls, and Sheep

People are predictable in so many ways.

Baby Boomers And Mortgage Debt

Baby Boomers entering retirement with a home mortgage have risen from 22% to 30% in the past 10 years.

RetirementPlanning
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The Times They Are A Changin For Annuities

Now our products are mainstream and are the darling of many stockbrokers; they seem to love selling them to their clients; after all, they are guaranteed.

Annuities
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Glass, Toilet Paper And Cell Phones

three large American companies have turned to annuities to offset uncertainty in their pension obligations.

Annuities
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Am I A Senior?

Who are seniors? Does that mean old folks? Does it mean retirees?

Annuities
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Certificates Of Deposit Strategies

Bank CDs can be customized but beware of the details!

Investing
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Should I Buy Long-Term Care Insurance?

“Long term insurance protection for nursing home care does not have guaranteed premiums; they can be increased.”

Insurance
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The Zoo: Understanding Bulls, Bears and the Deer

Animals can help us understand how the market dictates movement, up or down.

Annuities Investing
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Credit Score Information Frequently Asked Questions and Answers

Monitor and guard your credit rating.

FinancialPlanning
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There Is A New Sheriff In Town

There is a new standard for portfolio management: Fixed Indexed Annuities

Annuities Bonds RetirementPlanning
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Six Common Designations Used By Advisors And Agents

Choosing a member of your financial team is a task that you should never undertake lightly.

RetirementPlanning
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Outsource Your Concentrated Risk To A Risk Bearer

What is the purpose of the money you want to invest, and how can it accomplish the goal?

Investing
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Annuities Have Surrender Penalties And That Is A Good Benefit

Surrender penalties for early withdrawal are a benefit.

Annuities RetirementPlanning
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Could Investing In Treasuries Be A Mistake?

US Treasuries are considered the safest investment in the world.

FinancialPlanning
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The Modernization of American Annuities

Annuities have evolved as America has evolved.

Annuities
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Concerned About Trusting An Insurance Company With Your Important Retirement Funds?

How safe is your annuity?

Annuities RetirementPlanning
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US Treasury EE Saving Bonds: Good Idea Or A Stinker Idea?

US Treasury EE Bonds, a good idea?

Brokered CDs, Are They Right For You?

You can buy Certificates of Deposit from your stockbroker, but make sure you understand the facts

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Bonds Annuities
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The Golden Years Might Become Scary

Retirees on a fixed income may find it more and more challenging to maintain a standard of living that exists beyond the poverty level.

RetirementPlanning Medicare
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When Planning Retirement, Make Sure Your Money Lasts As Long As You Do!

With interest rates still so low, using an FIA can make solid sense for retirement planning, plus it removes stress, volatility while providing dependable reoccurring monthly income.

RetirementPlanning
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What Does the FDIC Not Guarantee or Insure

The protection of the money we deposit in our bank accounts is something most of us take for granted today, but this security has not always been there.

Medicare Reimbursements Shrink As Medical Costs Increase

 What happens in the event I need medical care not covered by Medicare?

Nightmare On Easy Street

A recent report about retirement confidence from the Employee Benefit Research Institute found a widespread concern over the future, the future in retirement income, the future of social security and the future of Medicare.

RetirementPlanning
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Look Out For The Falling Stock Market

Beginning in the mid-1990s the word “outsource” began creeping into our dictionary. Then came the Private Equity firms with their lobbied tax advantage, and the squeeze for the bottom line started.

Investing
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Up Down Up Down Up Down

With the nightly news comes the report on the day’s happenings in our national stock markets. Every day brings what has happened to America’s investments. The movement in the market affects more than 50% of America’s retirement funds.

Annuities
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Legacy Arbitrage

Use Legacy Arbitrage to extend benefits to heirs

EstatePlanning
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Women and the Retirement Nightmare

According to a Boston College blog, more than half of the women employed full-time or part-time in the private sector are not saving in a retirement plan at any given time.

RetirementPlanning
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The Dow Jones Industrial Average Will Hit 30,000

Begin the slow move to safety and security by using annuities or FDIC-insured bank products. At retirement time, you reallocate for income and inflation protection.

Investing
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4 Strategies to Reduce Volatility In Your Retirement Portfolio

I have been asked recently how the current volatility of the stock market will affect the interest in annuities.

Investing
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Your Broker Wants You To Know All Quiet On The Western Front

It might be a good time for you to take a long and serious look at your asset allocation and see if it matches your horizon.

Investing
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Prime Notes Are Prime Fraud

Prime Notes Are Prime Garbage

Investing
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Insider's Guide To Variable Annuities

I know all about the need for transparency and the rules governing the sale (prospectus), but the question that pertains to me is simple: Why would anyone buy a variable annuity? (VA)

Annuities
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Is It time For Your Company’s 401(k) Plan’s Annual Checkup?

It has always been a good idea is to complete an annual examination of your 401(k) and to make sure it is invested to match your goals and that you understand the entire fees and expenses structure.

FINRA And Its Relentless Attack on Excessive Fees

The securities (brokerage) industry to slow federal oversight, declared itself a self-regulating industry.

Investing
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A Safe Retirement Option Is Available

When it comes to retirement planning options, there are safe, secure, and guaranteed options available.

RetirementPlanning
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Understanding Your Social Security Survivorship Benefits

One of the first things that a surviving spouse must do as soon as possible after their husband or wife passes is to apply for Social Security survivor's benefits.

SocialSecurity
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Is Investing In Bond Mutual Funds A Good Idea? Let’s Look at The Disadvantages

Look before you leap when it comes to bond mutual funds.

Outsource the Liability

We are now facing an economic situation similar to about 20 years ago, and I know from experience that you’re not going to like what’s about to happen to you and your important money.

Annuities Bonds
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Sleep Tight Knowing Your Investments Are Safe

Where can we invest our money to ensure it will not lose value? A bigger question is this: Who can you trust?

FinancialPlanning
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Annuities Dirty Little Secret: Number 1

How can your funds only increase? How can there be no risk? What type of annuity could this be? The answer is Fixed Indexed Annuities (FIA).

Annuities
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Helpful Tips for Improving Your Credit Score

When applying for a mortgage, home equity loan, line of credit, refinance, or any other type of loan, your credit score is the deciding factor.

FinancialPlanning
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Protecting Your Family's Inheritance: Beneficiary-Controlled Trusts

Unfortunately, no one lives in a perfect world, but a beneficiary-controlled trust can help ensure that your children will have access to their inheritance in a way that is faster and is legally protected longer than some of the more traditional methods.

EstatePlanning
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What Your 401 (k) Provider Doesn't Want You To Know

With investing, as in life, it is often the unexpected things that have the most significant impact.

What Is The Best Annuity?

The issue isn’t the product, but how the annuity makes sense for your specific situation.

Tax Deferred Annuity

A tax-deferred annuity is a plan in which income tax on an original deposit of investment income is not charged during the investment period.

Annuities
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Boomers And Hybrid Annuities

The insurance industry is gearing up for a once-in-a-lifetime opportunity to offer innovative retirement plans.

Annuities
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Women and Pensions, A Danger Sign

Women normally live longer than men, make sure their retirement income lasts as long as they do.

Annuities RetirementPlanning
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The Best Time for Tax Planning

Tax planning involves far more than scrambling in April to defer income and boost deductions.

7 Shortcuts for Major Money Hassle

By the time you're 65, you'll need to have socked away about $25 for every dollar you expect to withdraw annually.

FinancialPlanning
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401k Investment Tips: Essential Tools for Informed Choices

If you find yourself currently in a quandary over how to best invest your 401(k), these simple tips can help you to make an intelligent decision and avoid common investing mistakes.

401k Asset Allocation Strategies

Asset allocation and portfolio diversifications are words often bandied about by investment advisors and financial planners. But what exactly does it mean for the ordinary investor and why do you need it?

Look Before You Leap Into Corporate Bonds

Before you make any commitments, take time to understand precisely how corporate bonds work, the benefits they offer, and the restrictions associated with them.

Insuring Your Risk At Retirement

We ensure just about everything don’t we, our homes, cars; we even use trip insurance to protect our vacations. So why not guarantee our retirement plan?

RetirementPlanning
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Term Life Insurance: Advantages and Disadvantages

Term life insurance is the simplest form of life insurance.

Insurance
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10 Retirement Planning Mistakes and How To Avoid Them

Avoid these 10 common mistakes, and a solid retirement becomes a reality.

RetirementPlanning
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The Float, Warren Buffett, Annuities and You

Understand how Warren Buffett uses float.

Annuities
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Investing Can Be Risky...Maybe Not!

Where do you run when safety is your goal?

Annuities
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Corporate Bonds, How Safe are They and What Happens if a Company Defaults.

Bonds are backed by the financial strength of the bond issuer.

FinancialPlanning
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Avoid Unnecessary Probate Expenses and Time Delays With This Simple Planning Tip

Your IRA, 401 (k), pension plan, and other qualified plans can transfer at death without the need for probate by designating a named beneficiary.

RetirementPlanning
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The Sheriff In Town Comes To The Rescue

As we age, the fear “factor” is usually in one of two categories (or both) — fear of medical uncertainty and fear of our financial future.

Annuities
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Earn 10% Plus With An Annuity?

Watch out for bait and switch annuity yields

Annuities
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Estate Executor: Duties and Obligations

An executor is a person responsible for managing the administration of a deceased individual's estate.

EstatePlanning
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457 Retirement Plan Option

A 457 Plan might be a good choice for your retirement planning.

RetirementPlanning
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Different Types of Bank Certificates of Deposit

Certificates of Deposit are offered by Banks over a specified period with fixed or variable interest rates. You can stretch your options!

Investing
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Transparency: Welcome to the Future

Transparency isn’t just for our clients and prospects; it is for us as agents also.

RetirementPlanning
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Scams and fraud target those most vulnerable

Scams prey upon those most at risk

FinancialPlanning
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The Tax Deferred Annuity

A tax-deferred annuity helps manage tax liability.

Annuities
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Give your children the gift of a lifetime, money management

Teaching children about money provides a lifetime of benefits

Investing
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If You Don't Want To Be A Fool, Quit Acting Like One

Only a fool would buy an annuity, right?

Annuities
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Einstein Quantum Compounding

Be smart like Einstein and use his secret of compounding

Investing
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How To Understand Insurance Company Financial Ratings

Insurance companies use private rating companies to determine their financial strength.

Insurance
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Dont let your financial advisor put you in a box

You are an individual, help your advisor recognize it!

FinancialPlanning
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What is tax-loss harvesting and will it work for you?

Use every legal tool to pay your fair share.

The Importance of Dental Health for Senior Citizens

The importance of observing dental hygiene stretches beyond just a smile.

Insurance
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Is too much derisking of your retirement fund a good idea?

De-risking can mean exposure to very low yields

RetirementPlanning
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Should you put an annuity inside your IRA? The answer is a definite MAYBE.

Letting an insurance company be responsible for your retirement is now an accepted path

Annuities
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Bond Funds or Individual Bonds: Which Is Best for You?

There are both advantages and disadvantages to investing in Bonds and Bond Mutual Funds. The real reason for choosing which method depends on your situation and what you wish to accomplish. What are your goals?

Investing
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Chickens, Pigs, Bulls, and Bears: The Stock Market Is a Barnyard

The market is full of these named animals, and each has a different place on the investment pole.

Annuities Investing
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Married? Unmarried? Retirement Planning is still essential

Whether single of married, a successful retirement is still the goal

Successful retirement planning needs a strategic view of options

Retirement planning requires an expanded view of asset categories

RetirementPlanning
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Your Guide to Hiring a Tax Planner

Do you have a professional tax advisor? It is an important decision.

RetirementPlanning Annuities FinancialPlanning Investing
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Learn the secrets of investing in municipal bonds

Be cautious, sometimes bonds may not be what you think

Bonds FinancialPlanning Investing
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Promises Made Promises Kept Cross Our Heart

Is this the perfect vehicle for retirement, many people say yes!

Annuities FinancialPlanning RetirementPlanning
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Money Management Mistakes To Avoid

Use caution when considering investment options

FinancialPlanning RetirementPlanning Investing
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US Floating Notes

Ever consider the gorilla in the room?

FinancialPlanning RetirementPlanning Investing
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When Considering a Variable Annuities Use Caution

Beware of the fees, expenses, and lack of guarantees when considering a variable annuity.

Annuities Investing RetirementPlanning
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Annuities as an Investment Vehicle

Consider an annuity as part of your overall retirement planning

Annuities FinancialPlanning RetirementPlanning
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The Thrift Saving Plan (TSP)

Understanding Your Thrift Saving Plan gives you more options

FERS RealEstate Investing Taxes
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The Golden Years Might Not Be So Golden

Planning is the difference when focusing on your Golden Years

RetirementPlanning Medicare Investing
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The Great American Rip-Off

Don't listen to the sales hype, do your research and save on fees.

Taxes EstatePlanning FinancialPlanning
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Inflation and Investment Risk

Most investors only consider the risk to their principal, which is why they favor Certificates of Deposit over non-FDIC insured investments for their most protected assets. The risk of lost buying power is a more complicated dynamic.

RetirementPlanning
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Social Security Retirement Benefits: Know Your Options

You need to understand your benefits and options.

RetirementPlanning SocialSecurity
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Trust: Use the Ronald Reagan Approach

Trustworthiness is earned and should never be automatically granted.

Business RetirementPlanning
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How to Modernize Life Insurance at Retirement Time

You may be able to exchange the old policy for a new policy with no tax liability.

Insurance
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Financial Planning for the Divorced Woman: You Are in Control!

Women need to understand their rights in a divorce

EstatePlanning
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Warning About Phony and Bogus High Interest Rates

Consumers need to be on guard when something too good to be true is offered; the simple answer is this “There is no such thing as a free lunch.”

Tip to Lower the Property Taxes on Your Home

The most important thing to remember is that you have rights and you can argue for those rights. Most homeowners who ask for a re-assessment of their home value will receive a benefit adjustment.

RetirementPlanning
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Annuities Explained

Las Vegas never loses, and neither will your fixed-rate annuity

Annuities
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Considering "Splitting" Your IRA for Maximum Opportunity

Split your IRA using annuities and keep accumulating

Annuities RetirementPlanning
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Where Have All the Bankers Gone?

Banker? Has anyone seen a banker lately?

Annuity Riders

Annuity riders can help maximize the benefits annuities provide.

Annuities
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Get an Annuity Quote - Some Things to Consider

The word annuity in and of itself is an enigma.

Annuities
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The Stock Index and How History Can Make You A Smarter Investor

“The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go."- Benjamin Graham

Investing
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Rich Get Richer, Poor Get Poorer - What About the Middle Class?

A recent study by Oxfam explained the distribution of wealth which to many people is alarming.

FinancialPlanning
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Can A Life Settlement Benefit You

What's a life settlement, and could you benefit from having one?

Insurance
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Labels Can Lead to Retirement Planning Bias By Advisors

Don't let your financial advisor put you in a "box."

RetirementPlanning
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Tax Loss Harvesting

For many investors, tax-loss harvesting is one of the most useful tools for reducing capital gains taxes.

Questions to ask yourself before choosing a Bank CD or annuity.

Investigating your safe money options can mean more yield!

Annuities Investing RetirementPlanning
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Is Your Retirement Income A Guess Or A Guarantee

Is your retirement income based on guarantees or assumptions?

Annuities RetirementPlanning FinancialPlanning
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Annuity Questions?

Download the 2021 Annuity and Investment Report Now and learn more about annuity options that can help you achieve your retirement goals.

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Safe Money Guide

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Life Insurance Guide

Learn more about the various life insurance options available to you that can help you achieve your goals.

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