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Feel free to download and review any of the in depth papers listed below.
Safe Money Guide
When you consider the tumultuous economic and political environments we are witnessing at both the national and international levels, it is not difficult to see how timely and important the notion of “safe money” has become. The goal of this guide is to introduce you to annuities in the context of your financial and retirement planning. It will certainly not answer all of your questions (as every personal financial situation is different), but it should provide a solid understanding of annuities, how they work, and how they may or may not fit into your overall planning.
Annuity Guide
Annuities have been in use since Roman soldiers were paid an annual stipend (annua in Latin) for their service. Annuities are used to ensure a steady source of retirement income, to reduce your tax burden, and to pass along more of your estate to your heirs. Some annuity contracts can provide a safe and reliable foundation for retirement budgets. They can be structured in many different ways, so it's essential to be clear about both your future goals and your current circumstances before you commit to placing your money in an annuity.
Social Security Guide
Social Security was never meant to supply a person's entire retirement income, but longer lives and lower savings rates mean that more people count on their benefit check to finance retirement. Several crucial choices -- some of which you'll need to make before you are old enough to be eligible for benefits -- will determine your baseline level of monthly support from Social Security. As you plan a retirement that will be partly funded by Social Security income, here are strategies you can consider to maximize your Social Security benefit.
Life Insurance Guide
Life insurance comes in many different forms and what you choose for protection should be in line with your goals. One of the beautiful features of life insurance is that it is adaptable. It can provide immediate protection and later evolve as needed. Choosing the right type of life insurance and selecting the correct policy for you and your goals is an important decision.
Additional Resources
Social Security Claiming Guide (Boston College)
Medicare and You (U.S. Government, Medicare.gov)
