Safe Money Resource
Safe Money Resource
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  • Does Spending Increase in Retirement?
    Retirement can bring up a number of concerns, from lifestyle and health to social activeness. There’s also the issue of money. Many people worry about retirement spending, how much they need to save, and how this may affect their current money habits. In a survey by Allianz Life, nearly one-third of Americans said they are “panicked” or “very worried” about cost-of-living increases and their effe...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Do You Need an Emergency Fund in Retirement?
    Time and again, we are told of the importance of having an emergency fund. It makes sense, especially for retirement. After all, retirees are likely to have unexpected costs creep up, just like everyone else does. But according to a BankRate survey, even a small unexpected expense could be a struggle for many households.    In the survey, nearly 60% didn’t have enough savings to pay for emergency...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • What is a MEC?
    Although it’s been around for nearly 30 years, a MEC, or a modified endowment contract, can still be confusing. Let’s straighten it out. A modified endowment contract is a unique type of cash value life insurance. A life insurance policy becomes a MEC when the policy has been funded more than federal tax laws permit. Upon changeover, a MEC loses some of the favorable tax treatment it had as cash ...
Safe Money Resource
Safe Money Resource
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  • Don't Overlook This Potential Retirement Dealbreaker
    Sure, many people stress over money issues. From mortgage payments and other bills to household spending and transportation costs, more than a few financial stressors are taking a toll. But retirement is quite different from the earlier stages of life. What may be Americans’ top money stressor as they venture into their retirement years? According to a recent survey by Allianz Life, a top economi...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Life Insurance Over 70 -- What's Involved
      Generally, many people think of life insurance as a “peace of mind” option. It’s a means to provide dependents, such as a spouse and children, with financial support after the primary on the policy is deceased. That said, there are many different types of life insurance policies that are used for a variety of financial planning strategies, including retirement, tax-adavantaged wealth building, ...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Is an Annuity Death Benefit Taxable?
    The proceeds from an annuity death benefit are taxable when they are received by the beneficiary. In the case where the recipient is a surviving spouse, he or she can initiate certain measures to defer the payment or taxes on the amount received. In other instances where the recipient is not the spouse, the recipient will have to pay taxes on the money he or she receives from the annuity. Depend...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • What Happens to an Annuity When I Die?
      People who own annuities have something that not only can take care of their financial needs, but also provide money even after their death. In addition to benefits for owners, an annuity can be a valuable inheritance for beneficiaries, like spouses, or other persons. Certain benefits can become available to beneficiaries when a contract owner passes away.  As the contract holder, you may setup ...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Investors Fleeing Stocks in Longest-Running Streak Since 2004
      As the financial press reported, U.S. stocks continue to inch forward or hold steady. Stock market indices opened with trading in positive territory, even as Hurricane Harvey affected refineries and other energy facilities. But while the market showed positive trends, it was a report, published last week by Bank of America Merrill Lynch (BoAML), which caught the eye of many. On Thursday, August ...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Fast Answers to Your Top 7 Social Security Questions
    Like other people, you probably hold a Social Security card. But unless you are close to retirement, you may not know that much about Social Security benefits. As a large governmental program, Social Security has many rules and moving parts that can affect you. Social Security plays an important role for retired households. Among elderly beneficiaries, 48% of married couples and 71% of single per...
Safe Money Resource
Safe Money Resource
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  • Safe Money Retirement - 4 Tips to Retire Happy and Safely
    Whether you are in your 40s or approaching retirement, long-term financial planning should be on your mind. If you want to enjoy a comfortable lifestyle, but you will no longer receive income from a full-time job, you will need to think about cash-flow from other sources, including Social Security, lifetime savings, a retirement portfolio, and maybe some other sources. While each individual situ...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Safe Money Strategies -- The Basics of a Financially Secure Retirement
      As we inch closer to our retirement age, it becomes more important for us to have more control of our money and the future. This is true for a variety of reasons. But for many of us, more control means a greater sense of financial security. However, financial peace is hardly a happy accident. Rather, it comes from careful planning and following a well-laid-out strategy built for retirement, a p...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Roth IRA vs. Life Insurance
    In a few ways, a Roth IRA and life insurance share some similarities. They both receive tax-advantaged treatment in the IRS code. They enable efficient wealth transfers from one generation to another, and they can provide a tax-free legacy. But despite these similarities, Roth IRAs and life insurance are very different. For one, a Roth IRA is a non-qualified retirement plan while life insurance i...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • What is Safe Money?
      “What is safe money?” That is a question that many Americans are asking. And it’s not surprising why. From retirement presentations and dinner seminars to weekend financial talk shows and radio commercials, safe money is a common theme in many public forums. Generally speaking, a broad definition of safe money is “the money you can’t afford to lose.” Since everyone has different needs, goals, a...
Safe Money Resource
Safe Money Resource
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  • How Long is the Accumulation Period for Immediate Annuities?
    The short answer? Immediate annuities actually don’t come with an accumulation period. Once you have paid premium into the contract – in most cases a one-time lump – the insurance carrier will start income payments nearly right away. Your income payouts may start anywhere from 1-12 months after the premium payment date. When this starting date is depends on your contract and frequency of payments...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Expert Interview: SafeMoney.com Talks Retirement with Protect Wealth Academy
    Brent Meyer, President and Founder of SafeMoney.com, recently sat down with Protect Wealth Academy (PWA). PWA is an organization which teaches investors how to protect their assets, minimize taxes, and create wealth. During the conversation, they talked about retirement planning, why it's critical to plan for a long retirement lifespan, as well as growth, income, and protection strategies using g...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Annuity Options Explained: A Fast Guide to Deciphering Annuity Choices
    Are you considering different annuity options for your retirement portfolio? An annuity is a type of insurance product, purchased from a life insurance company and/or an annuity company. Annuities are popular retirement options due to the safety they offer for your money, the potential for tax-deferred growth, and their reliability for giving permanent, lifelong income. That being said, sometimes...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Longevity Risk and Retirement Planning: Tips for Overcoming Uncertainty
      A number of recent studies indicate that today’s Americans have a higher life expectancy compared to previous generations. The Social Security Administration suggests that after reaching the standard age of retirement, 65, U.S. men and women may anticipate living at least a couple of decades more.             There is no denying the fact that a longer life is a reason to celebrate. However, thi...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Is an Annuity Death Benefit Taxable?
    The proceeds from an annuity death benefit are taxable when they are received by the beneficiary. In the case where the recipient is a surviving spouse, he or she can initiate certain measures to defer the payment or taxes on the amount received. In other instances where the recipient is not the spouse, the recipient will have to pay taxes on the money he or she receives from the annuity. Dependi...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Qualified Annuities vs. Non-Qualified Annuities: What's the Difference?
      While researching your retirement income options, you have probably come across the concept of annuities. Chances are the general idea of annuities is pretty straightforward. But once you start digging deeper and trying to find your way around the different annuity terms and concepts, things may start looking a lot more complex. If purchasing annuities is on your list of options, then one of the...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • What is a Market Value Adjusted Annuity?
      Have you ever heard of a market value adjusted annuity? If you are planning for your retirement income, then you may be considering an annuity as one of your options. Of course, there is a number of possibilities when it comes to purchasing annuities. So, it is important to understand clearly what annuities are so you can make sound financial decisions. In cases when you are looking for tax def...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Federal Thrift Savings Plan: Basics of Retirement Account Distributions
      Editor's Note: This article is not intended to be and should not be used for tax advice. We have published this to be a source of information and for educational purposes only. Please consult with a qualified tax planning professional for guidance with your personal circumstances. As part of the federal civil service or the uniformed services, you may participate in the Thrift Savings Plan (or T...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Is the Market Set to Correct Soon? Opinions from Pundits and Experts
    Update: Just moments ago, the Dow Jones Industrial Average hit 22,000 points -- a 20% increase from election season as well as an all-time high! The rise was attributable to strong earnings by Apple and other companies. Read on for some insights and opinions from experts and commentators about what may be ahead. Dow tops 22000 for first time, lifted by strong earnings from Apple and others. Inde...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Retirement Income Planning Tips for Small Business Owners
    Retirement income planning already is difficult. But for small business owners, it poses even more challenges. Despite being used to the hustle-and-bustle of day-to-day tasks and operations, even businesspersons have to slow down at some point.   Eventually entrepreneurs get to an age when they can’t run their companies like they did before. As a company owner, you likely will face this someday. ...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • 6 Biggest Retirement Income Planning Mistakes to Avoid
    Sure, life happens and we make mistakes. We learn and try not to repeat them. But in retirement income planning, the margin for error is smaller. Just one or a few mistakes could derail your goals or even put your retirement on the rocks.   If you are someone who plans to retire within the next 10 years or sooner, now is the perfect time to start putting your financial house in order. However, as...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Safe Money Advisors: 5 Steps to Finding the Right Financial Professional for You
    Are you looking for help on how to retire safely and comfortably? "Safe Money Advisors," or financial professionals offering safe strategies, can provide solutions to help you reduce risk and manage uncertainty. But so many are promoting themselves online and elsewhere. Whom can you turn to for the guidance you need? As you consider different candidates, conduct careful due diligence. Just like d...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Where Do Americans Stand in Their Retirement Planning Knowledge?
    Virtually everyone understands that money doesn’t grow on trees. But what about planning for retirement? If recent research gives any indication, many Americans may be coming up short. In the 2017 Retirement Income Literacy Quiz – courtesy of The American College for Financial Services and the New York Life Center for Retirement Income – most quiz-takers received barely-failing or below-failing g...
Safe Money Resource
Safe Money Resource
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New blog articles detected.

  • Let's Talk: Generational Habits and Conversations about Money and Retirement Planning
    You have probably heard plenty of old platitudes about the importance of taking action. For many, “if you’re going to talk the talk, you’ve got to walk the walk” is one such truism. But in money matters, people often hesitate to prepare for their retirement future. For that matter, they might not even discuss it with their family and other loved ones. In various research studies, the findings are...
Safe Money Resource
Safe Money Resource
Blog Post

New blog articles detected.

  • 7 Reasons Why People Don't Buy Life Insurance -- And Why They're Bad
    Lots of people agree on the importance of life insurance. But it’s something that many of us don’t own, as research indicates. According to LIMRA, a financial research group, 30% of U.S. households owned no life insurance at all in 2016. About 48% of households, or 60 million families, had an insurance gap that averaged $200,000 from what they actually needed. Factoring in average total coverage,...

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