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10 Must Know Retirement Terms & Tips

7 months ago Ted Bernstein 0
As you are getting ready to retire or build your plan, it will be helpful to know these retirement terms and tips. Planning for this exciting chapter of your life is all about making informed decisions that will impact your financial security. Below are 10 essential retirement terms: Full Retirement Age: Full Retirement Age (FRA) Read More

Power of Indexed Annuities

1 year ago Ted Bernstein 0
Indexed Annuities are great vehicles to provide guaranteed lifetime income in retirement. You can never lose principal and income is paid for life. Considered by leading economists and retirement centers to be the safest way to create and protect retirement assets, indexed annuities can be 100% liquid from day one. 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
2016 Elections and Your Retirement

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

New York Times: ‘Consider An Annuity’ In Retirement

2 years ago Ted Bernstein 0
The lead retirement story in Sunday’s New York Times, How to make your money last as long as you do hit the bulls-eye, explaining how annuities provide guaranteed, lifetime income in retirement. The story’ s message was simple and to the point: “Consider an annuity”…  will always have enough to cover essential living expenses, no matter how long Read More

Don’t Need or Want Your Existing Life Insurance?

2 years ago Ted Bernstein 0
What Is The Market Value Of Your Existing, Inforce Life Insurance Policy? By now, we have all heard stories about someone that received a significant cash payment for a life insurance policy they thought had no value. If you are 65 or older with a life insurance policy you may not need or want any longer, you Read More

Department of Labor Fiduciary Rule is DOA

2 years ago Ted Bernstein 0
Today, the President delayed the Department of Labor’s Fiduciary Rule that was set to take effect in April. I have been advocating for either a repeal or a delay for many months. The rule was hastily written and poorly written during the Obama administration. The DOL fiduciary rule attempted to legislate the definition of working Read More

Today Show: Make your money last with an annuity

2 years ago Ted Bernstein 0
  The Today Show this week includes an important recommendation about guaranteed, lifetime income. Although 2016 was a banner year for indexed annuities, we have a long way to go. Too many people do not understand indexed annuities and as a result, they are still measuring their retirement security by the size of their portfolios. Read More

ROI = Reliability of Income

2 years ago Ted Bernstein 0
In Retirement, ROI is Reliability of Income. Helping you shift your focus from asset accumulation to guaranteed income will create more security in your retirement plan. Economists, professors and thought leaders all over the world are helping planners and their clients change the dialogue about why sufficient levels of lifetime income are more beneficial and valuable than asset accumulation Read More