Asset Planning Associates

Delay Taking Social Security, Add Annuity to Survive Retirement, GAO Says

rootadmin — Fri, 08 Jul 2011 19:55:03 +0000

A report that came out on July 1 states that there is growing concern about how to manage retirement savings when both life expectancy and health care cost are expected to increased and financial markets expected to declined. Read more to find out what margaret Collins has to say so that you can add an annuity to survive retirement.

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30 Ways to Cut Health Care Costs

rootadmin — Fri, 08 Jul 2011 19:34:24 +0000

Most Americans pay the larger sum of health care costs and are unaware of the real cost of health care. There is a path to the least expensive care without sacrificing quality and this could really save you money, from hundreds to thousands even. Read the 30 ways to cut health costs by Kimberly Lankford.

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Boomers Unhappy At Work; Want More Retirement Help From Employers

rootadmin — Mon, 20 Jun 2011 19:36:49 +0000

Employers are not giving what the employees want, more retirement help! Most people are dissatisfied with their employers and have to go to another source to find adequate retirement options. Temme Ehrenfeld has some statistics on this issue. If your are in this boat, seek retirement help immediately!

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SIPC Warns Investors of Latest Phishing Scam

rootadmin — Mon, 20 Jun 2011 19:27:42 +0000

Phishing is an act of stealing information by pretending to be a legitimate source and asking for personal information. SPIC warns investors that there may be a scammer or a group of scammers pretending to be SIPC investigators. Investors are warned. Dave Lindorff give the full disclaimer.

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Create a Paycheck With an Annuity

rootadmin — Wed, 18 May 2011 14:36:08 +0000

Diligently setting aside money in a good investment over a long time is not a guarantee of your retirement success. The question that all retirees ask, “Will i run out of money in10 years?” The answer depends on how you will turn your life savings into a steady stream of income. Using annuities as part of your portfolio maybe a good game plan for you. Here Kimberly Lankford talks about making an Paycheck out of an Annuity.

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Split a Deferred Annuity

rootadmin — Wed, 18 May 2011 14:27:11 +0000

There is a new option for deferred annuity owners. A simple way to change a part to an immediate annuity to produce a steady stream of income, while leaving the rest to grow. With this, deferred annuities gives owners important flexibility with todays interest rates. Rachel Sheedy explains about a split differed annuities.

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Use Annuities to Pay for Long-Term Care

rootadmin — Thu, 05 May 2011 13:29:33 +0000

A new tax break allows you to use proceeds from some annuities tax-free to pay premiums for long-term care insurance. This tax break was included in the Pension Protection Act of 2006. Previously the first withdrawal from an annuity was considered to come from gains which were taxed at ordinary-income tax rate. Now you can transfer money from an annuity to pay long-term care premiums without owing taxes. Kimberly Lankford explains how and why this works.

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5 Reasons You Need a Long-Term Care Plan

rootadmin — Wed, 04 May 2011 01:28:51 +0000

Middle-aged Americans will be faced with the harsh reality that they will need to take care of themselves as they grow older. Most Americans don’t have long-term care insurance and will be devastated by future costs of care. Long-term care costs are rising, especially for nursing homes and in-home care. Phillip Moeller explains the importance of why you need long-term care insurance.

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Life Insurance — Time for a Checkup?

rootadmin — Thu, 28 Apr 2011 17:34:36 +0000

Do you have life insurance in your portfolio? Many people have purchased life insurance at work or because they have gotten married, had kids or have purchased a home. Studies show many Americans are underinsured or uninsurable while others believe they don’t need life insurance. Life insurance is an important part of any individual’s retirement portfolio and only a financial planner can tell you how much you really need. Clare Schwemlein examines the importance of a life insurance policy and why you need one in your portfolio.

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Mismanaged 401(k) Plans Need A Good Advisor’s Touch

rootadmin — Thu, 28 Apr 2011 15:46:09 +0000

Those employees who are participating in their company’s 401K plan need assistance and financial advisors are in an advantageous position to help them reach their goals towards retirement. The problem is many 401K plans are underperforming or employees are participating in the wrong funds to achieve their goals. Michael Lissner examines what advisors and employees can do to succeed with a 401K plan.

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