Investing
Many financial plans include at least some weighting in stocks and/or mutual funds, and while historically equities have tended to rise in value over the long term, they carry a certain amount of risk, both for long- and short-term investors. It is therefore imperative that you have realistic financial goals and investment objectives in place before you begin to invest.
Life Insurance
How much life insurance do you need? It's probably one of the most important and unsettling questions that I pose to my clients. It's also a question that many of us tend to ignore until it's too late. Perhaps the best way to come to terms with this difficult subject is to educate yourself and understand how best to determine your coverage needs.
I wanted to provide you with a selection of resources that can help you understand what Life Insurance is all about. I'd also like to assist you in determining your coverage needs and how you can best meet your objectives.
Annuity
Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferral and future income. Variable annuities are designed for people willing to take on more risk in exchange for greater growth potential. While there is risk associated with a variable annuity, many offer guarantees of principal and downside protection at an additional cost and depending on contract rider availability. However, these guarantees do not apply to the investment performance or amounts held in the variable investment options.
Retirement
Retirement is one of the key financial goals for many people. Saving early and often is important. So is taking advantage of products and accounts designed specifically for retirement. Tax advantages are a key feature of annuities, IRAs and employer sponsored retirement savings plans, such as 401(k), 403(b) and 457(b) plans. Any earnings growth in these products is generally tax-deferred until you make withdrawals, generally when you are retired and may well be in a lower tax bracket.
