Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk.

The Perfect Investment Might Look Like This

The Perfect Investment I was thinking the other day; what would the perfect investment look like? In the real world, not some fantasy world. What would the characteristics of this perfect investment be? As I was thinking I started creating a list. 12 Characteristics of The Perfect Investment Tax deferral on growth Income-tax-free withdrawals Income-tax-free survivor benefits No plan [...]


Making Every Dollar Count With Capital Preservation

Making Every Dollar Count with Capital Preservation The choices you make today will determine your legacy to those you care about. With careful planning and Capital Preservation, you can help ensure that you make every dollar count for you and your beneficiaries. This strategy refers to transferring capital from one asset to another, letting you replace a “negative tax consequence” [...]


The Multi-Asset Class Index Annuity 

The Multi-Asset Class Index Annuity  The Lafayette Life Insurance Company’s Marquis SP is a single premium deferred fixed indexed annuity, and the Marquis Centennial is a flexible premium fixed indexed annuity. Both earn interest based on changes in a market index, which measure how markets or parts of markets perform. Both annuities offer growth potential and income guarantees. Allocate [...]


Retire Well With An Index Universal Life Insurance Policy

Retire Well With An Index Universal Life Insurance Policy Index Universal Life Insurance (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. ... IUL policies offer tax-deferred cash accumulation for retirement while maintaining [...]


The Overlooked Retirement Plan

The Overlooked Retirement Plan You could be overlooking benefits so substantial, deductions that are so tremendous that it amazes me that more tax advisers and wealth managers don’t offer to help their clients with these type of plans.   The 412e3 Fully Insured Defined Benefit Pension Plan   Defined benefit pensions under the Internal Revenue Code Section 412(e)(3), also known [...]