Go Green Financial & Insurance Services

Go Green Financial & Insurance Robert Kolb 916-847-5033 Visit our Website! http://www.GoGreenFS.com

Annuity Benefits Can Help Employees Confidently Retire Employees have historically been unprepared when it comes to retirement but providing a guaranteed source of income could help them combat their financial stress. Employers have long recognized the need to help their employees prepare for retirement through workplace savings plans. Despite the economic challenges presented by the pandemic, 74% of employers say helping employees secure their retirement is still a top prio...rity, according to the TIAA Retirement Insights survey. In-plan guaranteed lifetime income options could be one way to help boost retirement savings and help employees reach their financial goals. A lifetime income annuity is a contract with an insurance company that allows for the conversion of some retirement savings any amount an employee chooses into a steady income stream, according to Fidelity. Are you comfortable with your retirement plan? Click this link to read more: (http://r20.rs6.net/tn.jsp) Go Green Financial & Insurance Robert Kolb 916-847-5033 Visit our Website! http://www.GoGreenFS.com

Retirement Planning in the Post-4% World Today’s low bond yields and high equity valuations have led many to jettison the traditional 4% initial safe-withdrawal rate (SWR) assumption. But I will show that the optimal safe withdrawal rate depends considerably on the retiree. Yields on 10-year U.S. government bonds are close to 1%, which is well below their long-term historical average yield of closer to 5%. Lower assumed returns will reduce initial withdrawal rates (and inc...rease required savings), ceteris paribus, and a growing body of research has suggested that 4% may no longer be a safe initial withdrawal rate for retirees. What’s a safe rate for you? Click this link to read the full article: (http://r20.rs6.net/tn.jsp) Go Green Financial & Insurance Robert Kolb 916-847-5033 Visit our Website! http://www.GoGreenFS.com

The Private Equity Party May Be Ending A recent legal decision may force Wall Street to think twice before saddling struggling companies with debts they can’t handle. What are your thoughts?... Click the link below to read the article: (http://r20.rs6.net/tn.jsp) Go Green Financial & Insurance Robert Kolb 916-847-5033 Visit our Website! http://www.GoGreenFS.com

How to Use Fixed Annuities If there were ever a product built for steady retirement income, it is fixed annuities. With the big decline in fixed pensions, fixed annuities have become a must-have option for many retirees who need guaranteed income. They are the simplest annuityprincipal and income are guaranteed, but rates are fixed. In other words, the insurance company is bearing the risk, so they get the upside, but the customer gets peace of mind. Therefore, the basic ut...ility of annuities is to support everyday income in retirement. There are other uses too, especially in the current market environment. For example, Right now, some fixed annuities make an attractive alternative to both bonds and CDs in a portfolio, due to the principal guarantees and interest rates offered, says one financial advisor at Stack Financial Services. Do you need guaranteed income? Click the link below to read more: (http://r20.rs6.net/tn.jsp) Go Green Financial & Insurance Robert Kolb 916-847-5033 Visit our Website! http://www.GoGreenFS.com