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Financial Planning

Now's your chance to do better than 007! If you make good financial decisions now, your portfolio will support you during retirement. And that's the whole point of financial planning—a portfolio that's diverse enough to keep several income streams coming to you during your golden years. Is your portfolio diverse enough to weather a financial storm?

Only 39% of American workers surveyed by Transamerica felt they were saving enough to retire by age 65.

 

 

If this sounds like you, let us help you secure your family's financial future with an annuity. We've helped more than half a million people protect their family's financial future. Could you be next?

Talk to Our Annuities Specialist at 800-823-4852!

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Good financial planning pays dividends later in life.

Paying for Retirement: What's Old Is New Again

Financial planning for retirement has been a hot-button issue since 1636. (Yes, 1636!) In a territory filled with danger and uncertainty, the Plymouth colonists raised money to provide pensions for men disabled while defending the colony. This wasn't just a luxury—in those days, it was a survival tool.

Americans have always wanted security in their golden years. During the Great Depression, Franklin Roosevelt signed the Social Security Act. As a result, workers who reached age 65 could retire and still have a monthly income. This opened up jobs for younger workers, and eased older workers' minds about leaving the workplace.

What about Now?
Our economic outcast is less certain. A Pew study released in June of 2012 showed that 34 states lack sufficient funding for their pension programs. According to the study, the shortfall was $757 billion in 2010.

This is just the tip of the iceberg, covering public employee pensions only. What about private employer pension programs? Those aren't secure, either. Many companies that used to offer pensions now offer 401Ks, which provide much less security in the face of Wall Street's volatility.

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Managing Diversity vs. Risk

Let us help you set up an annuity—an often-underused tool in creating a diverse financial plan for retirement.  

Here's how it works: You pay into an annuity. That money goes into a form of escrow account. As you keep making your payments, that money grows. Different plans have different investment strategies, but they're all designed to create solid, stable growth.

Then, when you reach the annuitization point (agreed upon when you purchase your annuity), that money gets paid back to you in installments. You can choose to have it paid back over a period of time (20 years, say), or for the rest of your life.

69% of workers surveyed by Transamerica say they could work until age 65 and still not save enough to retire.

 

 

In 2011, the U.S. Government Accountability Office (GAO) issued a report that confirms what Trusted Quote has always known: Annuities are a powerful tool that can help keep you financially secure during retirement.

The GAO notes that they're especially helpful for turning a lump-sum pension payment into guaranteed income for life. If the government agency tasked with cutting unnecessary spending suggests a particular financial product, chances are it's a good idea.

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Trusted Quote Can Help

We have an entire department devoted to annuities. Give us a call and tell us what your personal financial planning goals are. We'll help you select the type of annuity that meets your needs and goals—giving you a guaranteed income stream for life.

Here are the three types of annuities we can help you with:

	Immediate annuities
	A solution that starts providing income right away.
	Fixed annuities
	Guaranteed income at a guaranteed rate.
	Indexed annuities
	Your returns are tied to an equity-based index, such as the S&P 500.

You might also be interested in learning how a life insurance policy can be helpful in estate planning.

Talk to Our Annuities Specialist at 800-823-4852!

Sources:
Transamerica Center for Retirement Studies: Redefining Retirement
VA.gov: VA History in Brief
PBS News Hour: Pension Shortfalls Force States to Consider Cutting Benefits
Government Accountability Office: Retirement Income: Ensuring Income throughout Retirement Requires Difficult Choices