One of the biggest concerns of pre-retirees and retirees is income. This makes a lot of sense when you consider
that all your savings essentially breaks down to an annual income you need to have to live comfortably during
your retirement years. One of the options many seniors explore when trying to secure their retirement income is a
fixed index annuity.

You’ve probably heard that you’re never too young to start saving for retirement. However, many of us have procrastinated or have had other priorities and debt come up that prevented us from putting more money aside for our future. Or maybe you tried to save but got hit with unexpected setbacks like a job loss or medical emergency.

Why do people really buy life insurance? For most it comes down to love. They love someone and want to make
sure their family or loved ones wouldn’t suffer financially if something happened to them.
A life insurance policy is the ultimate gift of love. It’s less expensive than many other standard gifts like jewelry,
yet provides a tremendous value that your family will need, should they lose you.

End-of-life planning sounds like something you do towards the end of your life. But the reality is, no one knows
what tomorrow will bring. If the worst were to happen, you wouldn’t want your family to be burdened with
financial, legal and logistical problems. These 10 steps will help you get your affairs in order.

Chances are you’ll live well into your 80s, your 90s, and possibly even longer. When you live a long life, the
likelihood you’ll need long-term health care is greatly increased.

Women have different retirement concerns than men, which is understandable when you consider the challenges they face in achieving a financially secure retirement. Income disparities and time out of the workforce are among factors that will reduce retirement savings as well as Social Security and employer-provided retirement benefits. At the same time, longer lifespans will necessitate more savings to produce additional years of retirement income.