Retirement Planning

How Stock Market Drops Affect Your Retirement

401(k)s have become the predominant way to prepare for retirement, which leaves retirement savings exposed to market volatility. As a result, we are more sensitive to changes and drops in the markets. Knowing how stock market drops affect your retirement means it's important to protect your investments from movements in the market.

Annuity Basics

Ready to Buy an Annuity? Here’s How the Process Works

To make the process of buying an annuity as seamless as possible, prepare to go through the following steps and be familiar with the following terminology. In addition to providing free, real-time annuity quotes, Blueprint Income will take care of the rest of the annuity buying process for you.

Retirement Income

Navigate Market Crashes with Retirement in Mind

The market performing poorly reminds us that we need to be cautious with the risks we take so we navigate market crashes well. Defend against recency bias by having a financial portfolio that will do what you need it to do through all kinds of market cycles.

QLACs

New Legislation, If Passed, Would Increase QLAC Limits

One part of the The Retirement Plan Simplification and Enhancement Act, calls for making upward revisions of the QLAC limit. Under the new proposed rules, you could contribute up to $200,000 or 100% of your 401(k) or IRA account balance to a QLAC, but it is still up in the air as to whether this will get passed.

Annuity Basics

Annuity Tax Forms for Qualified and Non-Qualified Income Annuities

Qualified and non-qualified income annuities have differing tax treatment, meaning that once your retirement income has begun you will receive different tax forms reporting the amount of income generated from your qualified or non-qualified annuity. Here are the tax forms for your annuity and when you can expect to receive them.

The Personal Pension

Personal Pension 401(k) Rollover

If you have an old 401(k) sitting with a former employer, consider a Personal Pension 401(k) rollover that will turn the money you've worked hard to save into a guaranteed source of income you can't outlive.

The Personal Pension

The Personal Pension for Beginners

A Personal Pension offers guaranteed retirement income that lasts as long as you. Here's how the Personal Pension works.