2022

WealthManagement’s Fifteen Must-Listen Financial Podcasts Featuring That Annuity Show

No comments

The cast of That Annuity show is proud to report that our retirement podcast, was recognized as one of the “Fifteen Must-Listen Podcasts” by WealthManagement.com. I/we really want to thank all the great guests in 2021 who made this possible. In particular, I/we want to give a big shout-out and thanks to Terry Heys, Annuity Gator for nominating us for this honor!

Thanks to our sponsors, The Index Standard, CUNA Mutual Group, SE2 and Nassau Financial Group. And thanks to you, our listeners.

Also, do you want to get regular updates on news about guests of our show? Subscribe to our newsletter, below. 

Links mentioned in this show:

https://www.wealthmanagement.com/careers/fifteen-must-listen-financial-podcasts 

Episode 103: Confidently Sorting Through a Sea of Indices With Laurence Black

Episode 98: Aligning All Interests – The Client, The Advisor and the Company With Yale Bock

 Listen

 Watch

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersWealthManagement’s Fifteen Must-Listen Financial Podcasts Featuring That Annuity Show
read more

Episode 132: Framing Retirement Planning Questions the Right Way With Jason Fichtner

No comments

Someone once told me that finding an answer is easy. Coming up with the right question is not. In a complex process like retirement planning, the questions our clients ask and those we ask of them can prove more powerful for the outcome than the answers we actually receive.

Today, Jason Fichtner joins us to talk about the importance of framing retirement time questions properly to optimize decisions about taking Social Security. Jason is Vice President and Chief Economist at the Bipartisan Policy Center and Senior Fellow for the Alliance for Lifetime Income.

We want to thank our primary sponsor and my employer by day, Nassau Financial Group. We’re “working harder to be your carrier of choice.” We support you with best-in-class service. We seek to keep things simple and will have your back in the years to come. We’re headquartered in Hartford, Connecticut with $19 billion in assets under management and serve over 400,000 policyholders. We have been doing this a long time – 170 years – but we remain humble enough to always try to improve.

Also, do you want to get regular update s on news about guests of our show? Subscribe to our newsletter, below. 

We hope you enjoy the show.

Links mentioned today:
https://bipartisanpolicy.org/person/jason-j-fichtner/
https://www.linkedin.com/in/jasonfichtner/
https://www.protectedincome.org/about-us/

 Listen

 Watch

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 132: Framing Retirement Planning Questions the Right Way With Jason Fichtner
read more

Episode 131: Don’t Forget About Hidden Home Values When Planning For Retirement With Don Graves

No comments

Retirement planning conversations can easily focus only on traditional savings vehicles – 401(k)s, IRAs, money market accounts and stocks. However, home equity is an important asset that shouldn’t be overlooked.

Today, Don Graves, a best-selling author and President of the Housing Wealth Institute explains why every agent should be knowledgeable about reverse mortgages when building plans for clients. Rapidly rising home values in the last 18 months only makes this information more valuable.

Links mentioned in the show:

www.housingweath.net
askdongraves@gmail.com

Do you want to get regular updates from Don Graves, and other That Annuity Show guests? Scroll down and enter your email under “Receive Updates” to subscribe to our newsletter.

 Listen

 Watch

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersEpisode 131: Don’t Forget About Hidden Home Values When Planning For Retirement With Don Graves
read more

Advisors Ponder Bitcoin, ‘Decade Of Disappointments’ In 2021 News

No comments

There’s never a lack of stories about advisors and the advice they offer. As in other years, 2021 was replete with predictions and proclamations about financial direction.

1. Too Late For The Bitcoin Gold Rush?

The gold rush for Bitcoin might be subsiding, even though predictions are the digital currency will still increase in value. FOMO, the fear of missing out, is driving consumers to grab Bitcoin now, but they may be too late.

There’s still money to be made off Bitcoin purchased today, but investors won’t enjoy the same multiples as early adopters.

That is because even if each bitcoin grows to hundreds of thousands of dollars in value, it is not the same multiple that someone would have seen with a bitcoin purchased several years ago, said Jamie Hopkins, Carson Group director of retirement research.

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersAdvisors Ponder Bitcoin, ‘Decade Of Disappointments’ In 2021 News
read more

Factoring Inflation into Your Retirement Plan

No comments

Right now, inflation is top of mind for everyone, perhaps especially retirees.

Inflation is important. But it is only one of the risks that retirees have to plan for and manage. And like the other risks you have to manage, you can build an income plan so that rising costs (both actual and feared) do not ruin your retirement.

Inflation and Your Budget

Remember that in retirement your budget is different than when you were working, so you will be impacted in different ways. And, of course, when you were working your salary and bonuses might have gone up with inflation, which helped offset long-term cost increases.

Much of your pre-retirement budget was spent on housing — an average of 30% to 40%. Retirees with smaller or paid-off mortgages will have lower housing costs even as their children are busy taking out loans to buy houses, and even home equity loans to pay for home improvements.

On the other hand, while health care looms as a big cost for everyone, for retirees these expenses can increase faster than income. John Wasik recently wrote an article for The New York Times that cited a recent study showing increases in Medicare Part B premiums alone will eat up a large part of the recent 5.9% cost of living increase in Social Security benefits. As Wasik wrote, “It’s difficult to keep up with the real cost of health care in retirement unless you plan ahead.”

Inflation and Your Sources of Income

To protect yourself in retirement means (A) creating an income plan that anticipates inflation over many years and (B) allowing yourself to adjust for inflation spikes that may affect your short-term budget.

First, when creating your income plan, it’s important to look at your sources of income to see how they respond directly or indirectly to inflation.

  1. Some income sources weather inflation quite well. Social Security benefits, once elected, increase with the CPI. And some retirees are fortunate enough to have a pension that provides some inflation protection.
  2. Dividends from stocks in high-dividend portfolios have grown over time at rates that compare favorably with long-term inflation.
  3. Interest payments from fixed-income securities, when invested long-term, have a fixed rate of return. But there are also TIPS bonds issued by the government that come with inflation protection.
  4. Annuity payments from lifetime income annuities are generally fixed, which makes them vulnerable to inflation. Although there are annuities available that allow for increasing payments to combat inflation.
  5. Withdrawals from a rollover IRA account are variable and must meet RMD requirements, which do not track inflation.   The key in a plan for retirement income, however, is that withdrawals can make up any inflation deficit. In Go2Income planning, the IRA is invested in a balanced portfolio of growth stocks and fixed income securities. While the returns will fluctuate, the long-term objective is to have a return that exceeds inflation.
  6. Drawdowns from the equity in your house, which can be generated through various types of equity extraction vehicles, can be set by you either as level or increasing amounts. Use of these resources should be limited as a percentage of equity in the residence.

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley SaundersFactoring Inflation into Your Retirement Plan
read more

7 Easy Ways Every Boomer Can Catch Up on Retirement Savings

No comments

…Get Out of Debt

A key principle in saving money is making sure you don’t owe anything. According to Paul Tyler, CMO of Nassau Financial Group, that means paying off anything you owe as quickly and efficiently as possible.

“Take your first lesson from the Squid Game and get out of debt as quickly as you can,” Tyler said. “This includes all credit card debt, school loans, and even the mortgage on your home. The savings from interest payments can rapidly increase your retirement savings.”

If debt’s not a concern, Tyler still recommends that you “suck in your stomach and save a little bit extra” in the coming year….

Read the full article, here: https://www.gobankingrates.com/retirement/planning/boomers-retirement-savings/ 

Receive Updates



Show Sponsors

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Ashley Saunders7 Easy Ways Every Boomer Can Catch Up on Retirement Savings
read more