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Key Takeaways Rising rates benefit most insurance products: Higher interest rates generally improve the attractiveness of fixed annuities, universal life insurance, and other rate-sensitive products, creating opportunities to offer more competitive guaranteed returns...
Key Takeaways • Market Warning Signs Demand Defensive Action: The S&P 500 has crossed the "line of death" indicator, with extreme valuations and market conditions similar to previous bubble periods, suggesting a significant correction may occur within 12-24 months...
Key Takeaways The Big Beautiful Bill (BBB) is a proposed legislation that aims to establish a uniform fiduciary standard for financial advisors and insurance agents, promoting greater transparency and consumer protection in the financial services industry. The BBB...
Key Takeaways Understanding annuity tax implications is crucial: Annuities have complex tax rules that vary depending on the type of annuity, funding source, and payout structure, and understanding these rules is essential for providing sound advice to clients....
Key Takeaways Long-term care planning is crucial: About 70% of people turning 65 will need some form of long-term care, and the costs can be astronomical, with the national median cost of a private room in a nursing home exceeding $10,000 per month. Don't rely on...
Key Takeaways Annuities offer a unique blend of tax-deferred growth and guaranteed income streams: Annuities are contracts between you and an insurance company, where you make a payment (or series of payments) in exchange for a stream of payments at a future date,...
Key Takeaways Retirement is threatened by three often-overlooked risks: longevity risk (outliving your savings), healthcare costs, and market volatility, which can significantly impact the success of your retirement if not properly addressed. Mitigating these risks...
Key Takeaways Trade wars and tariffs are causing market volatility, making annuities an attractive option for retirement planning: The uncertainty surrounding trade policies is introducing significant volatility into the financial markets, directly impacting...
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