As 2025 winds down, retirement planning is shifting under three big spotlights: taxes in 2026, retirement plan rule updates, and Medicare drug-cost changes. Here’s a practical, client-friendly guide you can publish — plus talking points to spark action before...

Quick Take Annuities are insurance contracts that can turn a portion of your savings into guaranteed income you can’t outlive. For the right person, they lower stress, steady cash flow, and reduce the chances of running out of money—especially when markets are jumpy....

Key Takeaways (TL;DR) Retirement success is less about “the number” and more about cash-flow durability, tax efficiency, and risk control. A resilient plan blends guaranteed income (Social Security, pensions, annuity floors) with market growth and cash reserves. Smart...

Big idea: Life insurance and fixed indexed annuities (FIAs) aren’t either/or. Used together, they can help protect income, manage taxes, and transfer wealth more efficiently—especially in volatile markets. Why these two tools belong in the same conversation Most...

When planning for retirement, one of the greatest challenges is balancing growth potential with protection of principal. Many investors seek opportunities that allow for upside potential without exposing their hard-earned savings to the full risk of market volatility....

How much can you spend without running out of money? The 4% rule is a popular rule of thumb, but you can do better. Here are guidelines for finding your personalized spending rate. You've worked hard to save for retirement, and now you're ready to turn your savings...

What Is a Fixed Index Annuity? A fixed index annuity is a financial product whose terms are defined by a contract between you and an insurance company. It features characteristics of both fixed annuities and variable annuities. Fixed index annuities are also referred...

Many people decide to claim their Social Security benefit when they retire. You may be one of them. It could be that you need the money, or maybe you want to invest it in the hope that it grows. While these can be good options depending on your needs and preferences,...

Learn how the market, economy, and demographics are shaping the annuity industry. The annuity industry is having a moment. After years of mixed opinions and confusion around how they work, annuities surged in popularity in recent years, with total U.S. sales reaching...