Dan Stockemer

Annuity Use in Retirement Has Gone Mainstream

Utilizing Annuity Assets in a Turnkey Asset Management Program Investors and savers alike are integrating annuities into their portfolios and retirement strategies. Annuities have come of age and are now accepted as legitimate financial products. Annuities’ guaranteed interest rates and guaranteed lifetime income are now recognized assets in allocation modeling. In fact, for the first time, annuities are displayed within a turnkey asset management program (TAMP). Content: ChangePath is the first-to-market TAMP integrating fixed indexed annuities (FIAs) designed for registered investment advisors and their clients. ChangePath helps mitigate risk by infusing annuities based on the client’s risk tolerance on...

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Retirement Security Depends on Health Cost Spending

Boomers Face Living Longer and Lifestyle Health Management Centenarians may be the fastest-growing segment of the senior population. Baby boomer retirees may significantly impact the centenarian movement, especially females. People are living longer and healthier. But longevity can be retirement risk multiplier to all other retirement risks, and living longer will only acerbate medical and elder care bills. Recently, Virginia McLaurin experienced the meeting of her—her long life. Virginia, at age 106, had the privilege of meeting President Obama and the First Lady at the White House. She was so excited to meet them she started dancing and to...

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Social Security: Manage Your Benefits

Know Your Benefits and if They’re Taxed Social Security was developed as an insurance program, not a welfare entitlement. The history of Social Security has several backdrops to it, including the Great Depression and World War II. But the idea of a state-run pension system was originally developed in Wihelmine Germany in 1889 during the reign of Otto von Bismarck. Social Security is the largest retirement plan in America, and for most, the only retirement plan they have. Content: In 2015, a bipartisan Congress secretly pilfered the Social Security Trust Fund and transferred billions to prop up the depleted...

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AMT, Capital Gains and Social Security Benefit Taxation with Munis

AMT, Capital Gains and Social Security Benefit Taxation with Munis Most taxpaying Americans are seeking tax relief. They cherish their deductions, exemptions and tax credits. Recently, a growing number of taxpayers have become aware of the critical tax difference between adjusted gross income and modified adjusted gross income. But few investor/taxpayers are aware of the tax correlation of investment earnings to each other, and nowhere is this more relevant than municipal bond income. Content: The American tax system is extremely integrated and stealthy in its correlation where hidden tax traps are positioned in the crevasses of the code to...

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Is There Yield Appeal in Corporate Bonds

Rating the Risk Against the Yield Reward When a corporation wants to raise money, it can do so by offering an equity position in the company through stocks or create a form of debt called a bond. Stocks generally receive more press from the mainstream financial media, and corporate bonds seem to receive little attention. There are a plethora of bond mutual funds and ETFs on the market. The average investor generally buys bond funds for their portfolio rather than individual corporate-issued bonds. Content: Sometimes bond mutual funds and ETF holdings can give you a sense of what professional...

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