Learn About Annuities & Retirement

Annuities offer tax-deferred growth, lifetime income, and probate avoidance.

Learn what an annuity is, how it works, and its types, including fixed, indexed, and variable annuities.

Annuities are not FDIC insured because they are not bank products. Their safety depends on the financial strength of the issuing insurer.

Annuities are categorized by when payments begin and how they grow.

A Single Premium Immediate Annuity (SPIA) offers guaranteed income for life.

Learn about the various annuity costs, including fees, commissions, and riders,

Learn what a flexible premium deferred annuity (FPDA) is.

Things to think about when considering a transfer to another person.

TSA is also known as a 403(b) plan.

A single life annuity provides the highest monthly income.

Learn how Fixed Index Annuity (FIA) cap rates are determined.

Survivor Benefit Plan (SBP) for military families. Read more.

Learn about charitable gift annuities (CGAs).

Learn about different types of annuities. MYGAs, FIAs, SPIAs, DIAs, QLACs, and income riders.

Learn what an MVA is for annuities and see a real life example.

Discover what a Robo MYGA annuity is. If you're interested in such a new product from PlanEasy, read on.

Search for MYGA SPDA annuities in our marketplace.

Annuities fared well during '08-'09 financial crisis. Summary of NOLHGA's paper.

Learn about fixed annuities vs. bank CDs. A fixed annuity may offer more competitive interest rates than a CD or bond.

Markets are anticipating a 67% chance of a 50 bps cut.

Learn about 1035 exchanges for annuities.

Understand the differences between immediate and deferred annuities, including how they work, their benefits, and key factors to consider.

Learn everything you need to know about Required Minimum Distributions (RMDs).

Discover the key differences between indexed annuities (FIAs, EIAs) and fixed annuities (MYGAs).

Lock in historically high interest rates with fixed-rate annuities aka MYGAs.

Learn what AM Best ratings mean. They're the de facto rating agency that assesses insurance companies.

For an insurance contract to be enforceable, certain fundamental elements (CLOAC) must be present.

Who are the parties to an annuity contract? Annuities are technically insurance contracts. Learn more.

Learn about key features of multi-year guaranteed annuities (MYGAs).

Read about the exciting launch of our company.

If you usually rely on bank CDs or bonds for the fixed income portion of your portfolio, consider a fixed annuity. A fixed annuity may offer more competitive interest rates than a CD or bond.

Like all retirement savings vehicles (i.e., bank CDs, etc.), fixed annuities are suitable for some but not right for others.

Learn about the pros & cons of fixed annuities.

Fixed annuities share similar features with bank CDs, as both are conservative ways to save money.

2024 begins the biggest surge in retirement-age population in the nation's history known as "Peak 65" or "Silver Tsunami."

Learn about the rise of Auto-IRAs, run by states to help solve the retirement crisis in America.

Simple rule of thumb: 4% withdrawal rate had a high probability of success in various market scenarios over a 30-year retirement.

Dreaming of a comfortable retirement? The cost may surprise you. Need at least $1mm to retire in 16 states.

Social Security benefits could get cut to 77% in 10 years, unless lawmakers act. Read about Social Security's problems.

Las Vegas takes the crown as the hottest retirement destination in the U.S. for baby boomers. Where are they leaving?

Individual Retirement Accounts (IRAs) offer a powerful tool to secure your future. This guide explains the features of IRAs.

Thinking about tapping your retirement savings before 59½? Secure 2.0 Act created 20 early-withdrawal exemptions for 2024.

Learn about the relationship between interest rates and inflation. Inflation is neither "bad" nor "good.

A few basic tips for every major stage of your life...so that you can retire happily.

PlanEasy's "Big Picture" Dashboard shows current interest rates and more.

Learn about common retirement planning mistakes made by people, including financial advisors.

What can a financial advisor help you with? They can provide a lot of value by helping your craft a plan to meet your financial & retirement goals.

Is your financial advisor legit? How can you verify the advisor's credentials? Here are a few steps to get you started.

Confused by which kind of financial advisor you need? See a quick summary of some of the different types of financial advisors out there.

Learn what major banks & investors think about the investment outlook for 2023.

The stock market was down in 2022. Seven times the S&P 500 stock market index (including dividends) experienced consecutive annual declines.

Learn about the five key areas of retirement & financial planning that top financial advisors are trained to speak with you about.

Learn how our retirement calculator works and understand key simplifying assumptions made.

Understanding ownership in a revocable trust and key roles involved, including grantor, trustee, and beneficiaries.

Find out if a Healthcare Power of Attorney (POA) needs to be notarized.

These celebrities did not have a will and caused significant headaches for their loved ones and heirs with potentially unintended outcomes. Get a will to make it easier on your loved ones.

Learn about the different types of life insurance and how to choose the right one for your needs.

Two main types of life insurance: term and permanent.

Learn about life insurance basics and why people get life insurance. Life insurance is a contractual agreement between a policyholder and an insurance company.

Twelve states have estate taxes, while six states have inheritance taxes. What about your state?

A will is a legal document that states who will inherit your assets and belonging after you pass away. It also names a guardian for your kids; don't let courts decide.

Learn how the life insurance calculator uses a general rule of thumb to help you assess your life insurance needs.

How much life insurance do you need to make sure your family has enough future income? Learn about the 12x rule of thumb.

Q&A with attorney Ben Faulkner. A will serves most people, but a trust may make sense for a few. Learn the pros/cons of each.

What other things may I need besides a will? Learn about life insurance, trusts, financial POAs and medical proxies.

Learn about the various types of wills and see which is right for you. If you have a spouse, a mirror will for the spouse may make sense.

See which states saw the most Americans move and leave to another state from 2020 to 2022, including the pandemic.

Learn about the five key areas of retirement & financial planning that top financial advisors are trained to speak with you about.

Learn how our retirement calculator works and understand key simplifying assumptions made.

Read about changes to various state taxes in 2024. Your state could be on the list.

What's the difference between an estate tax and an inheritance tax? Not every state has either, but some do. Maryland has both.

Nine states have no income tax. Which states have the top 10 highest & lowest income taxes?

Taxes may have been a factor for many Americans who moved from their state during 2020 to 2022, including the pandemic.

Interest gained each year for a fixed annuity is NOT taxed until you withdraw the money, similar to IRAs and 401(k) plans.

Read about secrets to living over a hundred years old. Netflix documentary talks about five Blue Zones and their common habits.

See the top five cheapest states for long-term care (LTC). Missouri is the lowest for single rooms in nursing homes at $195 / day.

Up to $265 billion worth of care services for Medicare fee-for-service and Medicare Advantage beneficiaries could shift to the home by 2025.

See the top five most expensive states for long-term care (LTC). Alaska is highest for nursing home care at $1,036 / day, almost 4x the national median.

Learn how the life insurance calculator uses a general rule of thumb to help you assess your life insurance needs.