It’s not uncommon for people to switch jobs multiple times throughout their working life. In fact, it has become the norm for many generations, not just the younger ones. When it comes to job hopping, millennial's often get a bad rap, but the numbers show that job-switching isn’t exclusive to younger generations. The Bureau of Labor Statistics reports that in their first 30+ years of adulthood, young baby boomers averaged 11.9 different jobs. Each company that you work for l

Most of us have the goal of someday settling down to retire, after years of hard work and some preparation. It’s no surprise that people are living longer and cost of living is climbing, contributing to the reason why many Americans are retiring at a later age, or even struggling to retire at all. There are also arguments around the ideal age for retirement, which takes into consideration things like Social Security and Medicare. Planning for retirement can be daunting, but w

National Retirement Security Week has now been extended to an entire month! The month of October is dedicated to raising awareness and helping individuals take concrete steps towards a secure retirement . Here’s some food for thought. According to a survey done by Ubiquity Retirement and Savings*: 80% of Americans say saving for retirement is important, while only 56% say they are saving for retirement. 66% of Americans are worried that they won’t have enough saved for retir

With the current state of our country in the midst of a global pandemic, millions of American’s are transitioning in and out of jobs. We all want to feel secure in our savings plan, so here are some options to consider for your 401(k). Leave your money in your former employer’s plan, if your former employer permits this. Choosing this option means you don’t have to make an immediate decision about where to move your savings. Your account stays subject to your previous employe

Planning for your future can be daunting. Planning for your financial future can be even more daunting. We’re happy to ease some of the stress to guide you to a secure retirement . “Where do I even start?” Whether retirement is right around the corner or decades away now is a good time to start learning financial terms, setting some goals, and talking to a professional about your options. While there are a variety of income planning strategies, an annuity can be a smart way

Annuities can be a key part of your overall retirement strategy . Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. You can purchase an annuity to help you grow or protect your retirement savings and/or to provide you with guaranteed income . Before purchasing an annuity, you'll want to look at the various types of annuities and compare the pros and cons with your goals for the annuity. This will help you m

While you have options when it comes to your 401(k), you should be sure to consider what’s off limits, too.

Careful consideration is important and many people aren't sure what they have.

1.   You want to have guaranteed income for life.

If risk were not a consideration, we would put all our money in stocks.  But the stock market is volatile, subject to cyber and world events

Basic forms of annuities include Immediate vs. Deferred, Fixed vs. Variable, Equity-Indexed, and several other options that can include a de

Today more than ever, retirees are struggling to feel reassured about their retirement savings. In recent years, fixed indexed annuities have gained popularity by offering guarantees to income with potential for indexed interest accumulation. And with an FIA you can sleep at night knowing that the next stock market crash won’t force you to alter your lifestyle. With pensions no longer being offered by the majority of employers, fixed indexed annuities are a way to help cre

A fixed-index annuity is a financial option offered by insurance companies as an alternative investment to stocks, mutual funds, and CDs. When you invest in a fixed-index annuity, you get the attractive features of tax-deferred growth and a guarantee that you will not lose any of the money you put into the annuity, and you will also not lose the gains. Individuals who are nearing retirement may be hesitant to put their retirement savings at risk in the volatile stock mark