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Our helpful retirement kit includes three separate guides that address several topics you should consider when planning your retirement.

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Retired Since 2010
From New Jersey

George & Karen
Retired Since 2012
From Arizona

Portor & Elaine
Retired Since 2010
From California

Retired Since 2015
From Kansas

Retirement News & Insights


Why Selling Fixed Annuities for a Cash Lump Sum May Not be a Good Choice

Jul 1, 2016

You may have seen the commercials on TV about selling your annuity for cash. This is a business format that’s about as old as annuities themselves. These companies will offer to buy a stream of future payments that your annuity provides from you in exchange for a lump sum of cash. One problem is that these transactions are usually designed to make money for the company buying your annuity, rather than ensuring you get the best value for that annuity. Selling your annuity might seem like a good idea in a pinch, but in the end, it could cost a lot more than you anticipated.

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Social Security benefits

Using Immediate Annuities to Guarantee Retirement Income While Delaying Social Security Benefits

Jun 23, 2016

While you might be eligible to take benefits at age 62, some experts would recommend you don’t. That’s because the earlier you take them, the less you usually get.

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fixed, deferred annuity

Purchasing a Fixed, Deferred Annuity in an IRA Can Help You Manage RMDs in Retirement

Jun 17, 2016

Some financial planners will advise you never to do this because it’s redundant, but there are times when it might be beneficial, especially when it comes to managing your required minimum distributions later on. Before you write off purchasing an annuity in an IRA, you should consider how it could impact you for the life of your IRA.

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2016 Fiduciary Rule

How the 2016 Fiduciary Rule Could Affect How You Pay for Retirement Advice

May 3, 2016

This year, the Department of Labor passed new regulations that, in essence, say insurance agents and advisors may be held to a fiduciary standard if they provide advice regarding retirement accounts such as IRAs.

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2016 Federal Reserve Bond Interest Rates

What the 2016 Federal Reserve Bond Interest Rates May Mean for Fixed Annuities in the Long Term

May 23, 2016

Insurance companies are able to set a pre-determined interest rate and even go as far as to guarantee it. One way insurance companies make these guarantees is through the bond market and the interest rates that the Federal Reserve sets on their government bond offerings.

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Addressing the Bipartisan Budget Act of 2015 Pension Changes With Supplemental Retirement Annuities

May 10, 2016

We’ve received an increasing number of calls from clients over the past year worried about funding their retirement after their employer either significantly scaled back the corporate pension plan or eliminated it altogether. For a long time, corporate pension programs were a major source of retirement funding for employees all over the United States. These pension programs would allow the company to finance their employees’ retirement through regular payments, much like in an individually owned annuity.

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prescription drug prices

How to Prepare for Spikes in Prescription Drug Prices During Retirement

Jun 27, 2016

One thing that can be difficult to predict when you’re planning your retirement is how much you’ll wind up paying for healthcare once you’re retired. The good news is new treatments and lower-cost healthcare resources are created every day. The bad news is one aspect of healthcare many retirees need most tends to cost the most: prescriptions.

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Immediate Long-Term Care Annuity

Funding Unexpected Healthcare Costs in Retirement With an Immediate Long-Term Care Annuity

Jun 3, 2016

A long-term care annuity is an immediate annuity with a long-term care benefit. In the event the individual needs long-term care, the benefit might boost the income payment to several times the initial amount. In addition, the portion of the income payment used towards qualifying long-term care expenses will be nontaxable.

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Defer Taxes on a Lump Sum Payment in Retirement by Funding an Annuity

Jun 9, 2016

People who get lump sums of money for whatever reason don’t usually think of annuities as an option unless one is offered. Generally, it’s never recommended that you put all your eggs in one basket (or annuity), but if you’re dealing with a sudden lump sum, often an annuity can be a tax-efficient way to help protect your money.

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estate planning

Estate Planning With Deferred Annuities in Retirement: Reducing Your Beneficiary’s Tax Burden

Jun 6, 2016

The government uses fair market value to assess the value of real property in your estate. The value of these properties and business holdings could push you into a taxable territory. Your heirs could run the risk of having to liquidate your assets to cover your tax bill. To avoid that, some choose to use deferred annuities and trusts to reduce their total taxable estate.

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Retirement Risks: Handling the Unexpected Cost of Mental Health Treatment

May 6, 2016

Despite the fact that retirement should be a very happy time, it’s also a time where maintaining good mental health can be costly.

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empty nesters

3 Ways Empty Nesters Can Save More for Retirement

Mar 11, 2016

Most empty nesters should consider increasing their retirement contributions thanks to the savings they’ll see now that their kids are out of the house. Here are three ways empty nesters can save more for retirement once the kids have left home.

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Financial Planner Designations and Annuity Licenses: Is Your Retirement Professional Qualified?

May 18, 2016

The title of “personal financial planner” is expected to grow by 30% through 2025, which is why people really need to understand who is qualified to give them financial advice. Certifications and professional designations can help show a financial professional’s level of expertise.

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independent insurance agent

How the Difference Between a Captive and Independent Insurance Agent Affects Your Retirement Plan

May 13, 2016

Here at Retirement HQ, our proudest accomplishment is the network of independent financial professionals we’ve built who have the experience and expertise to help create retirement plans that are customized and well-suited for our clients.

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Retirement Basics


Retirement Advice
Simply put, people who work with a financial professional aren’t just more confident about retirement; they also tend to be more financially prepared for retirement.


Retirement Income
When it comes to your financial future, running out of money is not an acceptable outcome. You should have confidence that the money you worked for will be there throughout your retirement.


Retirement Risk
Working with a trusted financial professional to create a clearly defined financial strategy can help guide you through retirement’s potential challenges and changes.