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Category: Annuities

Annuities

Want to Defer RMD Taxable Income? Try a QLAC!

Why are QLACs getting a attention now? Two reasons: (1) SECURE Act 2.0, and (2) rising interest rates.

June 3, 2024

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Annuities

Older Variable Annuities Can Be Expensive!

Older annuities have grown – and so have their expenses. They may be worth a review.

August 3, 2023

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Annuities

Two Interesting Investment Strategies – But No Free Lunch.

No investment strategy is without some kind of risk; but, I think this comes close. Take a look:

June 20, 2022

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Annuities

Does “Bucket Investing” Achieve Goals or Destroy Wealth?

Does the ‘bucket’ approach to allocating assets to life goals make sense—or does it actually destroy wealth? Mentally, bucket investing is simply assigning money to ‘buckets’, i.e. goals

September 28, 2020

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Annuities

Hidden Surrender Charges

I don’t know anyone, certified financial planner professionals included, who is a fan of surrender charges; but, economically they are a fact of life for many products simply to make the offering available and viable for the investment or financial product provider.

September 14, 2020

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Annuities

No RMDs for 2020!

Required minimum distributions (RMDs) have been eliminated for 2020 due to the COVID-19 pandemic; but, you just might want to consider taking a distribution anyway. Why?

August 14, 2020

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Annuities

Three Tips for Building Family Wealth

Most people work long hours for 30+ years trying to build wealth for themselves and their families. These three tips can make it a little easier.

July 6, 2020

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Annuities

How Social Security and Pensions Might Impact How You Arrange Your Nest-Egg.

If you’re receiving Social Security, Pension, or other guaranteed income, you may want to rethink how your nest-egg is arranged for long-term inflation risk.

April 30, 2020

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Annuities

YOU Are an Acutary!

Coming into money can create a lot of anxiety if you don’t have a plan. Here’s a tip sheet and LifeGuide that might help!

October 28, 2019

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Annuities

Thinking of Buying An Annuity? Do Your Homework.

Jim Lorenzen, CFPÂ®, AIFÂ® If you’re thinking of purchasing an annuity, here’s a report you might find helpful. I seldom use annuities for client

January 22, 2018

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“How Can I Increase My Social Security Benefit?”

Bad Tax Planning begins when you believe your 401(k)/IRA statements.

DOGE Wants to “Streamline” Social Security – That will be interesting.

No More Zero Interest Rates!

No Tax on Social Security Benefits?

Jim's Money Blog

“How Can I Increase My Social Security Benefit?”

February 27, 2025

Not so long ago, baby boomers viewed Social Security as a retirement program for old folks. High-earning boomers felt that Social Security didn’t apply to them because the monthly checks were small, and they believed the system wouldn’t be around when they retired.

Bad Tax Planning begins when you believe your 401(k)/IRA statements.

February 18, 2025

If you have $500,000 in your 401(k) or IRA, it’s not really $500.000. That’s a tax planning mistake most people make going right out of the gate. If you’re married and filing jointly, it’s more likely you could have $325,000 (35% tax bracket) or just $315,000 (37% tax bracket).

Category: Annuities

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