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Deferred Income Annuities as Longevity Insurance

With retirement costs and life expectancies increasing, the biggest concern for many retirees is the possibility of outliving their income. To address that specific concern, Deferred Income Annuities (DIAs) were introduced as a form of “longevity insurance” in 2012. For retirees who want to maximize their future income, while protecting against extended longevity, DIAs provide an effective solution.


July 2018 LTC Newsletter

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LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third-party articles.


Using a QLAC to Stretch Your RMDs and Protect Against Longevity

The tax code allows you to defer taxes on your qualified retirement plans until you start taking withdrawals when you retire. As the term “defer” implies, the government intends to collect taxes on your retirement income at some point. To ensure that taxes can’t be deferred forever, it came up with the Required Minimum Distribution (RMD) provision. While it seems reasonable enough on its face, the RMD rule includes a very nasty penalty if it is not followed to the letter. Starting at age 70 1/2, if you fail to withdraw the proper amount, you will be charged a 50 percent penalty on the amount not withdrawn.


June 2018 LTC Newsletter

LTC-Newsletter-Header-Blog

LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third-party articles.


Robert W. Finnegan, J.D., CLU®, Published in Trusts & Estates Magazine

We are pleased to announce that the following article by Robert W. Finnegan, J.D., CLU®, AEP®, was recently published in the April Trusts & Estates.

Planning With Life Insurance in Uncertain Times
A holistic approach can help clients move forward


May 2018 LTC Newsletter

LTC-Newsletter-Header-Blog

LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third-party articles.


Annuities as a Bond Alternative

Bond investors, or investors considering adding bonds to their investment portfolio, are in a pickle. After near three decades of declining bond yields, they’ve hit rock bottom. That’s great if you have been holding bonds during that period because the decrease in bond yields pushed bond prices to record highs. However, with bond yields still hovering near historic lows, there’s only one way they can go – up. When that happens, bond prices will decline. There goes your portfolio stability, which is one of the main reasons for owning bonds.


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