Conservative Savings… Or Lifetime Retirement Income?

In uncertain times, sound financial decisions matter more than ever. When it comes to securing guaranteed retirement income, it’s important to base your decisions on a clear understanding of available products. Since many people turn to both deferred fixed annuities and certificates of deposit (CDs) for stable returns, it’s helpful to know the differences between the two. First and foremost, a deferred fixed annuity is a conservative retirement vehicle, while a CD is designed to

A New CD in Town

Who would have ever thought a bank certificate of deposit would merit an entire article…they are common as an old shoe, a bank product that a lot of retired folks have used for generations.   Generally the only question to discuss is “what’s the rate?” But there’s a newer generation of FDIC insured bank CD’s to consider; the variable rate, market linked CD’s.  These are issued by federally charted U.S. banks and, have the same FDIC

Why Should I Work With a CFP™ Professional

Marks of Quality CFP®, CERTIFIED FINANCIAL PLANNER™ are certification marks owned by Certified Financial Planner Board of Standards Inc. (CFP Board), which can help you identify financial planners who are committed to competent and ethical behavior when providing financial planning.  Why are the CFP® Board certification requirements important? Most people think that all financial planners are “certified,” but this isn’t true.  Anyone can call himself or herself a “financial planner.” Only those who have fulfilled