Fixed indexed annuities-and their ability to guarantee zero market losses while providing a guaranteed life income-are to small business owners and the private sector what defined benefit pension plans are to government employees in the public

Do you have, or are you considering using a traditional or Roth Individual Retirement Account or 401(k) to help fund your retirement? Do you ever wonder which is best or makes the right sense for you? Is it better to go with the Roth concept and make

Do you have a defined-benefit pension plan? We're not talking about 401(k)s or 403(b) deferred compensation accounts. We're talking about an actual life-income pension that gives you a guaranteed income in retirement for the rest of your life. Ofte

Remember that funny movie, 'The Bucket List,” with Jack Nicholson and Morgan Freeman? Great movie, right? If you haven't seen it, well … put it on your movie 'bucket list.” Did you know that some life insurance policies offer what's called a

Saving for retirement can be a daunting and intimidating task. Various formulas abound, are everywhere, and readily provided by financial planners, advisers, and websites. They allow you to plug in your information to account for your goals, time left to

Disability insurance with a return-of-premium rider is a type of insurance made to protect your income if you get sick or hurt and can't work, but where you can get a 100 percent refund of all your premiums paid, typically at age 67, if you don't have

With life insurance, there are no 'do overs.” You have to make it count the first time. You can't buy more after you die. With that in mind, have you ever wondered what the maximum amount of life insurance is that you can buy to protect your loved

If you are like many business owners or professionals with a practice, you envision using the proceeds from the sale of your business someday to fund your retirement. You also may be investing in stocks, bonds, mutual funds, IRAs, or real estate, but the

Does your business have a partnership? Do you have a written buy/sell agreement? Like many partnerships, is it backed by life insurance? If you are like most business partnerships, you probably don't have it funded with disability insurance. But why?

Roth IRAs are a popular savings tool for retirement for those wanting to make after-tax contributions with tax-free withdrawals at retirement, but they definitely aren't perfect or without their problems and challenges. Roth IRAs are particularly popu