Sentences with phrase «such as an annuity»

That could include an insurance product such as an annuity, which comes with higher fees, but can help curb market risks, she said.

This is not true for most retirement accounts such as annuities or 401k plans, which often incur a 10 % penalty in addition to income taxes.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

To be blunt: creating a workable retirement strategy for your investments can not be adequately handled through simplistic retirement calculators or by purchasing a particular investment product such as an annuity.

In terms of financial securities such as annuities and dividends, payouts refer to the amounts received at given points in time.

If you don't have a guaranteed stream of retirement income beyond Social Security — such as an annuity — to help cover essential expenses, consider focusing on paying off your mortgage to eliminate that expense.

Guaranteed sources of income, such as annuities, can help diversify financial products in a retirement plan and add an element of protection.

With a tax - deferred * vehicle (such as an annuity), you're able to keep more of your money at work for you which can lead to increased growth potential.

In this case customers may consider taking on extra risk in exchange for better yield with assets such as annuities, long - term Treasury bonds or dividend - paying stocks.

In the case of a reverse mortgage, that could be someone coercing you to use the proceeds for a costly home renovation that you may not need or a putative financial adviser whose goal is to get you to invest the proceeds in some sort of commission - generating investment, such as annuity.

In addition, they can end up investing your hard earned money into high - fee products such as annuities or mutual funds with a sales load.

But the designs for these policies have largely stabilized over the past five years, due in part to the increased popularity of combination products, such as annuities and life insurance long - term care rider options.

The reason for not using annuities in IRAs is that vehicles such as annuities and tax - free bonds are already tax - advantaged.

They must not pressure you or steer you into another type of loan, such as an annuity, that might not be in your best interest.

If there is a gap, work with a financial advisor to explore options for guaranteed retirement income, such as annuities.

Dividend investing isn't much more complex than capital gains investing, and it's much simpler than other income systems such as an online business or more arcane investments such as annuities and options.

FDIC insurance does not cover other investments you may purchase from your bank, such as annuities, money market funds, stocks, bonds, or mutual funds, for example.

All contact is to help our clients apply for, purchase, and / or get life insurance and / or other forms of insurance (such as annuity, auto, home, health, etc.).

If there's a gap between expenses and savings, you might need to think about other ways to contribute to retirement accounts or build savings in other potential income sources, such as annuities or life insurance policies that grow cash value.

* In the meantime, you can use withdrawals from taxable savings accounts or guaranteed income sources such as annuities to cover your expenses.

If you're worried about that uncertainty, consider adding a source of guaranteed income to your savings mix, such as an annuity — these products can provide a stable source of income to pay bills, regardless of what happens in the market.

Of course, if you receive your income from non-employment sources such as an annuity, this becomes something of a moot point.

In other cases, growth of some investments might provide opportunities to build a larger financial cushion by transferring gains to products that help protect a portion of a portfolio, such as annuities.

They can improve their withdrawal rates by diversifying across products such as annuities.

Depending on the amount that is received, the recipient may even consider depositing the funds into a vehicle such as an annuity and converting the money into a lifetime income.

The online claim center lets you easily access any claim form such as annuities, disability, life and long - term care protection.

Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.

Accumulation Unit Value As a part of an insurance product such as an annuity, the accumulation unit value is used in order to perform the investments in the market.

If you don't fall into that camp, however, you may be better served by taking the money you would have put into a life policy and investing it some alternative vehicle, such as an annuity.

All contact is to help our agents and their clients apply for, purchase, and / or get life insurance and / or other forms of insurance (such as annuity, auto, home, health, etc.).

An insurance plan can be considered as non-exempt when it offers an additional benefit such as annuities.

This can be especially beneficial if you are trying to fill an income gap and / or if you are under age 59 1/2 and don't want to face the IRS early withdrawal penalty that can be levied on many other plans such as annuities and traditional IRAs.

Nine states prohibit or limit the offering of other financial products, such as annuities, with reverse mortgages.

Not exact matches

More complicated products, such as variable annuities and fixed index annuities, can have upfront commissions of 7 percent or more.

Some families may benefit by sheltering after - tax dollars in retirement - savings vehicles, such as Roth individual retirement accounts and some types of annuities, said Will Alford, president of Education Planning Resources.

However, investment products such as mutual funds, annuities and life insurance policies are not covered.

«The type of hidden fees annuity investors should pay attention to are separate account [investment funds] expense ratios; back - end sales charges; annual administration fees; mortality and expense costs; any rider fees, such as guaranteed income rider, death benefit riders [and] principal protection riders, to name a few,» says financial planner Joseph Carbone of Focus Planning Group.

How much risk you can afford to take with your investment portfolio during retirement, or when approaching it, depends on your cash flow from available income streams — such as pensions, Social Security benefits or annuities — and doing a thorough cash - flow analysis is paramount.

If so, did you know that in many cases, leaving tax - deferred assets, such as IRA funds or annuities, to charity will relieve non-charitable beneficiaries of tax liability?

When it gets to a certain level, the balance will be transferred to a less liquid but more profitable growth account such as a mutual fund or annuity.

While the best interest contract exemption (the BIC, or BICE) would allow advisors to continue to sell traditionally commission - based products, such as variable and equity indexed annuities, it also exposes the insurance carrier to a heightened liability standard.

«Since individuals may purchase annuity plans to avoid such taxes, it's important for investors to learn as much as they can about the potential annuity inheritance tax.»

There's no such thing as a hybrid annuity!

Insurance Agent Fraud: Sometimes insurance agents breach the trust and loyalty of their customers because of the lure of high commissions, causing them to over insure their clients, or sell high commission products they don't need, such as variable annuities.

Investors should only buy an annuity contract for the annuity's additional features, such as lifetime income payments and / or death benefit protection.

A fee included in some annuity contracts that compensates the insurer for the risks it assumes in issuing the contract, such as the cost of death benefits, expenses of other insured income guarantees, and administrative costs.

These will either be severely restricted or prohibited: Higher priced, more complex products that have issues of liquidity and lack of transparency, such as non-publicly traded REITs, variable annuities, proprietary products or limited partnerships of certain types.

Receive income from the annuity when it's favorable to you — such as when you may be in a lower tax bracket.

A variable annuity is a tax - advantaged way to save for retirement without some of the limitations of other retirement accounts, such as 401 (k) plans and IRAs.

Even that $ 575 in monthly income is likely too generous, as a large segment of the public does not even know such a thing as an immediate annuity offering joint and survivor benefits exists.