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Where Our Journey Takes Us (Our Journey Stories)

“It’s Different When it’s YOU.”

"It's Different When it's YOU."   Everyone I know, including myself, wants to retire... one day.  And the picture in our minds of what retirement looks like is generally a carefree life of travel and leisure doing things that only and always bring us joy. Over...

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Fond Farewell 08 03 22

Fond Farewell To A Valued Colleague and Friend, enjoy retirement. I want to take a brief hiatus from my blended family newsletter theme and focus on a tribute to my longtime business partner, Conrad Slate.  Our dear friend, mentor and firm co-founder, Conrad Slate,...

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Information About Annuities

Annuity: What Is an Annuity?

Annuity: What Is an Annuity? These insurance contracts offer steady income but have some downsides What Is an Annuity? An annuity is a contract between you and an insurance company in which you make a lump-sum payment or series of payments and, in return, receive...

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Annuity: Annuity Terms

Annuity: Annuity Terms What Is an Annuity? An annuity is a financial product that pays out a fixed stream of payments to an individual, and these financial products are primarily used as an income stream for retirees. Annuities are contracts issued and distributed (or...

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Annuity: Annuity Basics

Annuity: Annuity Basics Information from Insurance Information Institute Annuities are financial products intended to enhance retirement security. An annuity is an agreement for one person or organization to pay another a series of payments. Usually the term “annuity”...

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Information About RMD’s

Required Minimum Distribution Calculator

IMPORTANT: The Coronavirus Aid, Relief, and Economic Security Act (CARES) Act of 2020 contains provisions providing a temporary waiver of RMDs for IRAs, 401(k)s and other employee-sponsored retirements plans for 2020. SECURE Act Raises Age for RMDs from 70½ to 72: The...

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Ready, Set, RMDs Are Back On Track For 2021

The year 2020 is one of the most eventful in recent times, and changes to the rules that govern retirement accounts are no exception. One of these changes is the waiver of required minimum distributions (RMDs) for 2020. As a result of this waiver, you are not required...

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Information About Financial Planning

What Is a Fiduciary?

In legal terms, a fiduciary is an individual or organization that has taken on the responsibility of acting on behalf of another person or entity with utmost honesty and integrity. For example, bankers, attorneys and officers of public companies are all fiduciaries,...

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Information About Retirement

What Else Affects Your Retirement Benefits

What Else Affects Your Retirement Benefits

SOCIAL SECURITY ADMINISTRATION Everyone’s retirement is unique. Beyond deciding when to begin receiving retirement benefits, other factors that can affect your benefits include whether you continue to work, what type of job you had, and if you have a pension from...

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Deciding When To Start Retirement Benefits

Deciding When To Start Retirement Benefits

SOCIAL SECURITY ADMINISTRATION Choosing when to start receiving retirement benefits is a personal decision. If you choose to retire and begin receiving benefits when you reach your full retirement age, you’ll receive your full benefit amount. We will reduce your...

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Planning For Retirement

Planning For Retirement

SOCIAL SECURITY ADMINISTRATION Planning is the key to creating your best retirement. You’ll need to plan and save for years to achieve your retirement goals. While many factors affect retirement planning, we want you to understand what Social Security can mean to you...

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