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Category Archives: April 2013

Setting the Stage for Retirement Income

Setting the Stage for Retirement Income

In a 2012 survey, 73% of annuity owners said annuity investments are a critical part of their retirement funding strategies, and 63% said market volatility makes them more likely to consider buying an annuity.¹ When saving for retirement, some workers who are concerned about stock market volatility may turn to fixed-income investments, but the current […]

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A Legacy with a Special Purpose

A Legacy with a Special Purpose

According to the 2010 census, people with special needs make up nearly 20% of the U.S. population.¹ Furthermore, nearly 20 million American families are raising children with disabilities.² Taking care of a loved one with special needs can be an expensive proposition. For example, the lifetime care of a child with autism could cost an […]

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Understanding Beneficiary Designations

Understanding Beneficiary Designations

A will is a good starting point to help ensure that your assets are passed on to your heirs according to your wishes. However, it’s also important to specify beneficiaries for financial accounts and insurance policies on the appropriate forms, which may supersede instructions in a will. In any document distributing assets to your heirs, […]

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The Empty Nest: An Opportunity to Build Retirement Savings?

The Empty Nest: An Opportunity to Build Retirement Savings?

The 2006 film Failure to Launch told a humorous story of an adult son who couldn’t seem to leave his parents’ home. Although the plot was fictional, this scenario has become more common in real life — about three in 10 Americans aged 25 to 34 either live with their parents or have done so in recent […]

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How Much Do You Need To Save?

How Much Do You Need To Save?

One common rule of thumb in developing a retirement savings strategy is that your accumulated savings and other sources of income will need to replace about 80% of your pre-retirement income. This assumes that retirees may be able to maintain their standard of living with less income because their taxes could be lower, there would […]

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Bouncing Back: The Recovering Housing Market

Bouncing Back: The Recovering Housing Market

The collapse of the U.S. housing market helped drive the economy into the worst recession since the Great Depression. Unlike previous recessions, however, the housing sector lagged as the broader economy began to grow, holding back what might have been a stronger recovery. That may be changing. Residential fixed investment — a measure of private […]

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