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BENEFITS OF INDEXED ANNUITIES WITH ANNUAL RESET Inexed annuities with an annual reset have gained popularity in the United States as a valuable financial product for retirement planning. These unique annuities combine the benefits of both fixed and variable annuities,…
BREAK-EVEN BURDEN In our personal lives, financial stability is a cornerstone of our well-being. Similar to businesses facing market losses, individuals too encounter circumstances that can disrupt their financial equilibrium. The concept of break-even burden, though typically applied in a…
Rational Decumulation Summary Rational Decumulation Summary Wharton Financial Institutions Center Policy Brief: Personal Finance Investing Your Lump Sum at Retirement The Wharton Study – University of Pennsylvania, School of Business Professor David F. Babbel of The Wharton School and Professor…
We are a financial services firm helping clients prepare for retirement using insurance and annuity products and solutions. We are not affiliated with the Social Security Administration, Medicare, or any other government agency. We do not offer tax, legal, or estate planning services or advice. Always consult with your own qualified tax/legal advisors. Insurance and annuity solutions may not be suitable for everyone.
Insurance and annuity products involve fees and charges, including surrender penalties for early withdrawals. They include terms and restrictions and, in some cases, may require medical and/or financial underwriting to qualify. Additional riders may be added, which may entail additional costs. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Withdrawals are subject to ordinary income taxes, and if taken before age 59-1/2. May incur an additional 10% federal penalty. Product and feature availability may vary by state.
Fixed index annuities are not investments and have no participation in the markets. Potential interest is calculated periodically (usually annually on the annuity’s anniversary date) and is subject to limits called caps, spreads, and participation rates established by the issuing company. All rates are subject to change at the issuing company’s discretion.