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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
Annuities are more popular than ever: Last year, buyers put a record $310.6 billion into the hybrid insurance and investment products, and sales are still going strong. Fixed-rate annuities, which guarantee ...
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A Big Market Shift is Underway
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... to the sometime-in-the-future cash flows of the highflying tech names. The stocks poised to benefit from the rotation are less sexy for sure—think banks and insurance companies instead of electric cars. ...
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Rising Inflation and Interest Rates: What to Do
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... companies, especially those that might pay a dividend. Think insurance companies, banks energy companies, for example. If you need to do selling within taxable accounts, do not delay doing it because ...
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Use Tax Planning to Grow Wealth Faster
(Main Content/blog)
... do it. 8. Update your beneficiaries. Now is also a good time to review the beneficiary information on all your financial accounts, from banks to insurance to investments. Life situations change all the ...
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Trade War Ahead? Here’s What to Do
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... price volatility, you may want to consider buying "insurance" in the form of options that trigger buying or selling at a certain price threshold. Or you may want to sell some positions outright. The ...
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Why Bitcoin is for Suckers
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... and millions of dollars of bitcoin so far. And once it's gone, there's no getting it back. There's no FDIC insurance. There's nobody to sue. Remember, it's all anonymous. Last week, the Chicago Board ...
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How to Invest for Natural Disasters
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... Universal Holdings during its slump. Insurance companies are typically able to raise premiums after big losses; that can lead to more profits and higher stock valuations. Luckily for the east coast, ...
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How to Invest for Natural Disasters
(Main Content/blog)
... Universal Holdings during its slump. Insurance companies are typically able to raise premiums after big losses; that can lead to more profits and higher stock valuations. Luckily for the east coast, ...
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Do You Need Longevity Insurance?
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As Americans' average life expectancy increases, many people are afraid of outliving their savings. One solution that has gained popularity in recent years is what's known as "longevity insurance." Longevity ...
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Why Your Advisor Should See Your Taxes
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... advisor address child education and elderly parent concerns. A list of medical expenses can lead to advice on insurance coverage and tax-efficient ways to fund your medical spending. Ultimately, your ...
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How to Get (and Stay) on Track for Retirement
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... the same amount of annual income once they retire at age 65? Not likely. For starters, their $2,500 monthly mortgage payment, including taxes and insurance, will just become $500 in taxes. And they'll ...
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Can Hurricanes Create Investment Opportunity?
(Main Content/blog)
... insurance companies in the Florida market. But there may be even longer-term opportunity for the right insurance companies. Florida has for several years imposed tight restrictions on the amount that ...
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Will Wall Street Clean Up Its Act?
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... and insurance companies pay brokers, in the form of commissions, to sell their products. Product manufacturers pay brokers different amounts for selling different products, which makes it incredibly difficult ...
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An End-of-Year Financial Checklist
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... It's important to review your beneficiary designations to ensure your assets, from retirement accounts to insurance proceeds, will go to the people you want to have them. If you think you're too busy ...
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Comparing Two Global Hot Spots
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... point—the country is in a terrible situation and its reluctance to compromise is not good for investors. I'm more optimistic about Puerto Rican bonds, particularly those that are backed by private insurance. ...
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A Checklist That Could Save You Thousands
(Main Content/blog)
... all the deductibles under your insurance plan, then consider scheduling any surgery you might need to take place before the end of year. If you have a Flexible Spending Account through your employer, be ...
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Annuities or an Income Portfolio?
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... often lessen the amount that can be generated for the client. One of these layers is the insurance agent who sells products (including annuities) for the insurance companies. Agents generally collect sales ...
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Is The Market Rigged?
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... and look at it, the cost of investing in the markets is cheap. When you buy and sell real estate, you pay about 9% to agents, lawyers, insurance companies, mortgage brokers and other gatekeepers. When ...
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Insured Municipal Bonds Starting to Look Attractive
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... by buying high-coupon bonds with good current yield, buying shorter maturities, and being selective with credit quality. Still, it's remarkable that bonds with 7% tax-free yield are available with insurance. ...
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Does Longevity Insurance Make Sense?
(Main Content/blog)
As Americans' average life expectancy increases, many people are afraid of outliving their savings. One solution that has appeared recently is what's known as "longevity insurance." Longevity insurance ...