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Lump Sum or Annuity in Retirement?

Written by Greg Boots.

A growing number of employers are offering workers the option of annuitizing some or all of their workplace retirement savings, as opposed to taking it in one lump sum. While the lump sum option has its advantages, we believe many investors would be better served by choosing to annuitize.

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Using Insurance to Fund a Buy/Sell Agreement

Written by Greg Boots.

A recent study from Nationwide shows three in five small businesses do not have a business succession plan in place, meaning they are sorely unprepared in the event something happens to one of the owners. The fact that the personal wealth of many small business owners is intricately tied with their underlying business only serves to compound the problem. Without a proper plan in place, the risks to the business and the family are considerable.

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Don't Let Common Misconceptions Affect your Life Insurance Coverage

Written by Greg Boots.

When it comes to life insurance, many people have coverage-related questions. Indeed, it can be very tricky because every individual's and family's life insurance needs are different. In our experience, investor confusion often leads to coverage gaps, meaning many people are significantly unprepared for the unexpected.

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Need Guaranteed Lifetime Income? Don’t Overlook Annuities

Written by Greg Boots.

Many retirees today are concerned about whether or not they have enough money to last their lifetime—and potentially beyond. The prolonged low interest rate environment has made this an even more acute concern for many investors. This is where annuities that provide guaranteed lifetime income can be particularly useful.

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Top Reasons to Delay Retirement

Written by Greg Boots.

Many people dream about retiring in their 60s, leaving behind the grind of day-to-day work in order to pursue their passions. However, increased longevity rates coupled with inadequate savings make this more of a fantasy than a reality for most Americans.