Monthly Archives: May 2011

Taking a Second Look at Life Insurance for Your Financial Portfolio

Sewickley & Pittsburgh Life Insurance AgentFor most of us, we leave managing the risk associated with our financial portfolio to a professional. You may be familiar with their suggestions to diversify by investing in mutual funds, bonds, and stocks, but did you know that life insurance is an important addition to your overall financial plan?


Permanent or Term Life Insurance? Or Something Else?

Often we think that there are only two choices when it comes to life insurance – term or permanent. Purchasing life insurance, however, should not be simplified to only two choices. You may be better off asking yourself a series of questions designed to help you find the right policy for your needs. […]

Posted in Life Insurance, Life Insurance Coverage | Comments Off on Taking a Second Look at Life Insurance for Your Financial Portfolio

Annuities Are Sleep Insurance

Annuity - Sewickley_PittsburghWhen you ask annuity owners why they purchased their annuity, the answer often involves one of the many benefits that they offer: Tax deferral, safety, access to funds, guaranteed principal, and lifetime income stream.  But if you then ask them what having those benefits really means to them, many of them will, after a deep pause, answer, “It allows me to sleep at night knowing that my money will be there when I need it the most.”  Annuities are different things to different people, but for most annuity owner’s annuities are sleep insurance.


Why an Annuity

If you ask most people today what keeps them awake at night, among the answers you are likely to get is some variation of “having enough money to retire on”.  The baby boomers, especially, are facing a serious predicament as […]

Posted in Annuity | Comments Off on Annuities Are Sleep Insurance

Traditional vs Roth IRA

Pittsburgh_Life_Insurance_Agent | IRA

Traditional IRA or Roth IRA?  IRA’s have a place in your portfolio, but which one is the right one for you.  Let’s take a look at how they compare and see if one emerges as better for your situation.



Highlights of a Traditional IRA


• Tax deferred until you withdraw the funds.

• Accessible without penalty after 59-1/2.

• Monies withdrawn before 59-1/2 are subject to a 10% IRS penalty. […]

Posted in IRA, Roth IRA, Traditional IRA | Comments Off on Traditional vs Roth IRA

Pre-Retirement Fixed Annuities

Annuity_Agent_Pittsburgh | Fixed AnnuitiesFixed annuities are a cornerstone of retirement plans for millions of pre-retirees, and, as people climb out from underneath the rubble of their decimated 401(k) plans, they are being considered by millions more as way to lock in some stability during turbulent times. Even as fixed annuities rates fall, investors are looking to them to provide a safety offset to the riskier parts of their portfolios.

In the face of volatile markets and an uncertain economic future, investors are increasingly looking for more stability and predictability in their pre-retirement planning. Sound pre-retirement planning requires a careful consideration of all possible contingencies, and because it impossible to predict the future, there needs to be a safe and solid foundation that acts as a safety net if any of the other pieces of the plan begin to crumble.


The Appeal of Fixed Annuities


Why Fixed Annuities

Fixed annuities are purchased primarily for their safety of principal and guarantees. Offered and backed by life insurance companies, fixed annuities have, […]

Posted in Annuities, Fixed Annuities | Comments Off on Pre-Retirement Fixed Annuities