LIMRA: 2023 Insurance Barometer Study

The Insurance Barometer is an annual study that tracks the perceptions, attitudes, and behaviors of adults aged 18 – 75 in the United States who are at least partly responsible for financial decision making in their households. limra-2023-insurance-barometer-studyDownload

Sun, Sea, Security: Life Insurance Essentials For Floridians

Imagine a life where your loved ones are financially safeguarded, where their dreams can continue to blossom, and their aspirations remain attainable, irrespective of the unexpected challenges life may throw their way. With a well-thought-out life insurance plan, this vision can become a reality. Beyond mere numbers and policies, life insurance is a heartfelt promise, … Continue reading Sun, Sea, Security: Life Insurance Essentials For Floridians →

Guaranteed Secure Growth: MYGA’s Are The Bank CD Alternative

In USA 2023, where financial stability and growth are paramount, the search for a secure path to prosperity takes center stage. Multi-Year Guaranteed Annuities (MYGA's) can be a beacon of financial empowerment that rises above the turbulence of economic uncertainty. They represent more than a departure from conventional options; they symbolize a departure from the … Continue reading Guaranteed Secure Growth: MYGA’s Are The Bank CD Alternative →

Florida Annuity Contracts: A Guide To Smart Financial Planning

Purchasing an annuity contract in Florida can be a valuable step towards securing a guaranteed income stream during retirement. This guide includes some of the aspects of annuity contracts including definitions, the role of ratings agencies, and qualified funding sources. Beyond the basics, we will explore topics such as types of annuity payouts, tax considerations, … Continue reading Florida Annuity Contracts: A Guide To Smart Financial Planning →

Simplifying Retirement & Healthcare For A Strong Financial Future

Retirement planning is a complex endeavor, encompassing not only financial security but also addressing potential healthcare expenses. For example, the nationwide average annual cost of a long-term care facility in 2023 is $105,000. This average cost is expected to continue to significantly grow, making it evident that healthcare expenses pose a significant financial challenge for … Continue reading Simplifying Retirement & Healthcare For A Strong Financial Future →

Federal Tax Cuts & Jobs Act (TCJA): Estate Planning Strategies For Florida Residents

Annuities are powerful financial instruments that provide individuals, particularly Florida residents, with a pathway to long-term financial stability and a reliable income stream during retirement. Understanding the tax implications associated with annuities, specifically within the context of the Tax Cuts and Jobs Act (TCJA) enacted in 2017, is essential for maximizing their benefits. Annuities and … Continue reading Federal Tax Cuts & Jobs Act (TCJA): Estate Planning Strategies For Florida Residents →

The Answer For A Stress-Free Retirement In Florida

An annuity is a financial product designed to provide a steady income stream in retirement. Essentially, it is a contract between an individual and an insurance company that guarantees regular payments in exchange for an initial lump sum or a series of payments. Annuities are an appealing option for those looking for a safe investment … Continue reading The Answer For A Stress-Free Retirement In Florida →

Maximizing Retirement Income For Living In Florida

Florida is a popular retirement destination, and for good reason. With its warm weather, beautiful beaches, and lower cost of living, Florida is an attractive option for retirees. However, when it comes to retirement planning, Florida residents should consider a variety of factors in order to ensure a comfortable and secure retirement. One key consideration … Continue reading Maximizing Retirement Income For Living In Florida →

Annuities & Retirement Planning For Ages 45-65 With Cash Savings

Annuities are financial products that can provide a steady stream of income during retirement. For individuals between the ages of 45-65 who do not have any retirement savings but have access to cash savings, annuities can offer several benefits. In this article, we will explore what annuities are, how they work, and the benefits they … Continue reading Annuities & Retirement Planning For Ages 45-65 With Cash Savings →

Florida Long-Term Care Planning For Nursing Home Confinement

Nursing home confinement refers to the situation where an individual, typically an elderly person or someone with a chronic illness or disability, is living in a facility specifically designed to provide long-term care and assistance with daily activities. This may include medical care, meals, and assistance with personal care such as bathing and dressing. Some … Continue reading Florida Long-Term Care Planning For Nursing Home Confinement →