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A family of three plays together at home. — So, what is an insured life annuity? It is a financial product designed to provide retirees with a steady income while ensuring their estate remains preserved for beneficiaries. This investment strategy combines a life annuity with a life insurance policy, creating a balanced approach to wealth management and retirement planning. […]

What Is an Insured Life Annuity?

March 5, 2025 in life tagged annuities / fixed annuity / Retirement / retirement planning / Savings by Joey Hinojosa

Stack of coins representing steady and guaranteed financial growth over time with a fixed annuity. — When it comes to making money, it’s important to be rational. The same applies when it’s time to preserve that money and convert it into reliable income. When it comes to safeguarding your financial future, few financial tools offer the predictability and peace of mind that a fixed annuity provides. […]

What is a Fixed Annuity?

August 21, 2024 in life tagged annuities / Financial planning / Personal Finances / retirement planning / taxes by Jose Lerma

Photo by James Wheeler on Unsplash. We tend to think about life insurance as a rare-to-pull ripcord—a plan set in place for the worst of worst-case scenarios. But life insurance can do a lot more for you and your loved ones than you think! In this article, we’ll cover the […]

The Secret Benefits of Life Insurance

April 3, 2024 in life tagged benefits of life insurance / Financial planning / life insurance / retirement planning / will and testament by Cristin Dickey

In our complex and ever-evolving world, few social systems have demonstrated as much resilience and relevance as Social Security. — In our complex and ever-evolving world, few social systems have demonstrated as much resilience and relevance as Social Security. This vital program, seen as an essential pillar of public policy, has played a critical role in safeguarding the financial well-being of citizens. From the retiree in Miami to the widow in Sydney, […]

Social Security History

June 7, 2023 in life tagged government aid / medicare / retirement planning / social security by Jose Lerma

Planning for your financial future is essential, and understanding the different retirement savings options available is key to securing your financial stability. The Individual Retirement Account (IRA) and the 401(k) plan are two popular retirement savings vehicles that offer tax advantages and cater to various financial needs and preferences. As […]

IRA and 401(k): At a Glance

May 3, 2023 in life tagged 401k / Financial planning / IRA / retirement planning by Jose Lerma

An annuity is an alternative to saving money. — In the wake of the financial crisis of 2008 and the global pandemic that has cut down our 401ks, the safety of an income stream that will guarantee payments look more and more attractive every day and the benefits of an annuity are hard to ignore. The term annuity refers to an […]

Benefits Of An Annuity

January 11, 2023 in life tagged 401k / annuities / retirement planning / taxes by Jose Lerma

An elderly couple is photographed in an exercise room. — Long-term Care Awareness Long-term Care (LTC) Awareness Month takes place in November. Many Americans are unaware of long-term care insurance policies. Carroll Golden, the executive director of the National Association of Insurance and Financial Advisors (NAIFA) Limited and Extended Care Planning Center, recently presented statistics displaying how many people are […]

Long-term Care Awareness

November 16, 2022 in life tagged long term care insurance / medicaid / medicare / retirement planning by Joey Hinojosa

Man writing notes about his relationship with finances — How is your relationship with money? How is your relationship with money? Finances and money represent one of the principal concerns during our adult lives. Much of our effort and quality of life will depend on how we manage our finances while we work. During this time, we must plan for […]

How is your relationship with money?

August 3, 2022 in life tagged Financial planning / money management / Personal Finances / retirement planning by Jessimar Lopez

Life Insurance and Inflation The rise of inflation concerns many people about their finances. Will their houses retain their value? Will they be able to continue to live and enjoy their current lifestyle? While prices may be rising and goods may be more expensive, remember that your life insurance policy […]

Life Insurance and Inflation

May 18, 2022 in life tagged cost of life insurance / Financial planning / life insurance / retirement planning by Jose Lerma

What does your brain look like in retirement? Ah, the vacation that never ends! Retirement is the hard-earned, well-deserved paradise of freedom we attain after decades of hard work. We’re told that as long as our health is good and we have robust savings, we have nothing to worry about. […]

Retirement and the Brain

May 11, 2022 in Health / life tagged brain / healthy living / mental health / Retirement / retirement planning by Jose Lerma