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Federal Estate Tax Repeal – Bad For Business

2 years ago Ted Bernstein 0
The life insurance industry let us down when it allowed the estate tax rate to settle at 40% and the lifetime credit (exemption) to  rise to $12MM per couple. The impact is still punishing planners of all stripes. It is time for life insurance companies to step up and commit to national advertising and marketing campaigns to promote the virtues of their Read More

10 Most Common Retirement Threats – Protect Your Nest Egg

2 years ago Ted Bernstein 0
Watch out for these common retirement threats to your nest-egg. Follow these risk proof retirement tips: Longevity Risk: Considered by many to be the most dangerous  of all retirement threats as life expectancy continues to increase. To mitigate longevity risk, you want to convert lump-sum retirement assets into guaranteed income streams for life. This retirement threat Read More

Why Income Annuities Are Better Than Bonds

2 years ago Ted Bernstein 0
What is the difference between bonds in retirement and annuities? The Wall Street Journal described income annuities as “super bonds”. Within the backdrop of retirement planning, annuities are often compared to bonds and vice versa. They are different. It is important to know their differences in order to appreciate the superior qualities of an income Read More