The short answer Claiming Social Security at 62 permanently cuts your benefit to 70% of what you would get at full retirement age. Waiting to 67 (the FRA for anyone born in 1960 or later) gives you 100%. Waiting to 70 boosts it to 124%. On a $2,000 FRA benefit, that is $1,400 at 62, […]
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Annuities 101 When Should I Claim Social Security? Age 62 vs. 67 vs. 70 Compared
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Annuities 101 How to Create an Annuity Ladder in 2026
Learn how an annuity ladder works in 2026, with a $250,000 five-rung MYGA example, the pros and cons, and steps to build your own.
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Fixed Annuity How do Fixed Annuities Protect Against Market Volatility?
How Fixed Annuities Protect Against Market Volatility In today’s unpredictable financial landscape, ensuring the stability of retirement savings is a top priority for many investors. Fixed annuities have emerged as a reliable option for those seeking protection against market volatility. These financial products offer a unique combination of security and steady income, making them an […]
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Retirement Planning Individual Retirement Accounts (IRAs)
An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
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Retirement Planning The Power of 403(b) Plans: Building a Secure Retirement
A 403(b) plan is a retirement plan offered by public schools and certain tax-exemt charities. In general terms, it is a school teachers 401(k).
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Retirement Planning Can I Retire at 60 with $500K?
How Much Do I Need to Retire at 60? Are you approaching your 60th birthday with a nagging question on your mind – can I retire comfortably at 60 with just $500K in savings? It’s a common concern for many who have spent decades working hard and saving diligently for the golden years. But, the […]
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Retirement Planning Understanding the SECURE 2.0 Act of 2022: A Comprehensive Guide
Summary of SECURE 2.0 Act Changes You Want to Know The SECURE 2.0 Act is one of the most talked-about legislative measures affecting the retirement savings landscape in the United States. SECURE 2.0 makes significant changes to existing retirement laws in an effort to promote retirement savings and provide greater access to retirement benefits for […]
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Retirement Planning Charitable Gift Annuities – The Definitive Guide in 2025
A Charitable gift annuity (CGA) is a contractual agreement between a donor and a charity in which the donor makes a single gift to the charity in exchange for guaranteed lifetime payments.
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Fixed Annuity Ibexis MYGA Plus Annuity Review and Guide
Ibexis MYGA Plus is an innovative annuity product that combines a daily guaranteed interest crediting method with an Indexed Linked Option.
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Retirement Planning How to Calculate How Much Money You Need to Retire
How Much Do I Need to Retire? According to Fidelity Investment’s Retirement Mindset Study, only 18% of Americans have a comprehensive written retirement plan. In this guide, we’ll walk you through the factors that impact how much money you’ll need to retire. We’ll also explain how to calculate the income you’ll need, step-by-step. How to […]
