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Immediate Annuities

Should You Buy an Immediate Annuity?

An immediate annuity can provide you with peace of mind during retirement. While not right for everyone, find out if an immediate annuity fits your retirement needs.

QLACs

The Financial Value of a QLAC

A QLAC is not only financially valuable, but it offers something traditional investments cannot: peace of mind. We’ve laid out how to determine your financial return from a QLAC.

Longevity Annuities

The Pros and Cons of a Longevity Annuity

Longevity annuities have several financial benefits to help make retirement planning simpler, but also have some drawbacks. Find out what a longevity annuity has to offer before you purchase.

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Pensions

Pension De-risking and Risk Transfer, Demystified

For many pensioners, corporate pension de-risking and risk transfers may have a minimal impact on their lives and could ultimately promote their retirement security. Read on to understand these transactions better.

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 a Qualified and Nonqualified Income Annuity

Qualified and nonqualified 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 nonqualified annuity. Here are the tax forms for your annuity and when you can expect to receive them.

Annuity Basics

Sequence of Returns Risk & The Decision to Buy an Annuity

Market volatility is not good for pre-retirees. Low or negative returns when you're about to retire are particularly harmful, and this is known as sequence of returns risk. Income annuities help mitigate this risk.

Annuity Basics

Why Are Annuity Rates Increasing and Will It Continue?

Increasing annuity rates, usually driven by long-term Treasury bonds and investment-grade corporate bond yields, have caused buyers to question whether the trend will continue and how that affects their plan to purchase an annuity. While it's challenging to predict future long-term interest rates, there are strategies to mitigate interest rate risk.

Pensions

5 Ways To Increase Your Pension Check

To maximize your retirement, you should try to maximize guaranteed income available to you. Here are 5 ways to increase your pension check.

Pensions

Heinz-Kraft Pension De-Risking and Pension Advice for Its Employees

Heinz-Kraft is offering its workers plan consolidations, lump-sum offers to current non-retirees, or an annuity purchase in order to de-risk their pension liability. There are other alternatives to these options, however, that better suit those looking to secure guaranteed retirement income.

Pensions

DuPont’s Pension Buyout and Pension Advice for Workers

The merger of Dow and DuPont created $51 billion in pension obligations, resulting in the company’s decision to offer employees a lump-sum pension buyout. This Pension Buyout, however, has several implications for those who accept it.

QLACs

Customizing Your QLAC

There are many features you can add to your QLAC so it best fits your needs. We’ve broken down the options you can select to customize your QLAC.

QLACs

Product Details of a QLAC

Although QLACs are similar to longevity annuities, they differ in a few key ways. We’ve clarified the four unique features of a QLAC here.

QLACs

How Will My QLAC Be Taxed?

QLACs’ special designation means that the income you receive can start later than age 70 1/2, reducing your RMDs and associated taxes. We’ve laid out the tax treatment your QLAC can receive.

QLACs

A QLAC in a Diversified Portfolio

A QLAC provides steady, reliable income that doesn’t depend on the stock market. We’ve laid out how a QLAC could fit into your portfolio.

QLACs

The Financial Value of a QLAC

A QLAC is not only financially valuable, but it offers something traditional investments cannot: peace of mind. We’ve laid out how to determine your financial return from a QLAC.

QLACs

Should You Buy a QLAC?

A QLAC offers you a guaranteed income stream to give you peace of mind during retirement. We’ve created this quick checklist so you can know if a longevity annuity is a good fit for you.

QLACs

The Pros and Cons of a QLAC

QLACs have many financial benefits which make retirement planning simpler. But, it’s important that you know all they have to offer to determine if it’s right for you.

QLACs

What’s a QLAC?

A Qualified Longevity Annuity Contract (QLAC) is a pension-like product you can purchase with qualified savings that will provide you income for as long as you live. We’ve outlined the key components of QLACs and how they work here.

Longevity Annuities

Customizing Your Longevity Annuity

There are many features you can add to your longevity annuity so it properly fits your needs. We’ve broken down the options you can select to customize your longevity annuity.

Longevity Annuities

Diversify Your Portfolio with a Longevity Annuity

Longevity annuities are comparable in many ways to low-risk fixed income investments, which provide steady, reliable income that doesn’t depend on the stock markets. We’ve laid out how a longevity annuity fits well in a diversified portfolio.

Longevity Annuities

The Financial Value of a Longevity Annuity

Comparing the exact financial value of a longevity annuity to a traditional investment product is like comparing apples to oranges. But it’s important to make some assumptions and run the numbers.

Longevity Annuities

How Will My Longevity Annuity Be Taxed?

The kind of savings used to purchase your longevity annuity will determine the taxes owed on the income payments you receive. We’ve broken down how you may be taxed.

Longevity Annuities

These Features Can Affect Your Longevity Annuity Rates

Your personal attributes and the extra features you choose to customize your longevity annuity with will affect the income you can generate. We’ve broken down how each option will affect your rates.

Longevity Annuities

Should You Buy a Longevity Annuity?

A longevity annuity can provide you with peace of mind during retirement. While not right for everyone, find out if a longevity annuity fits your retirement needs.

Longevity Annuities

The Pros and Cons of a Longevity Annuity

Longevity annuities have several financial benefits to help make retirement planning simpler, but also have some drawbacks. Find out what a longevity annuity has to offer before you purchase.

Longevity Annuities

What’s a Longevity Annuity?

A longevity annuity is like a pension you can buy for yourself from an insurance company using your pre-tax or post-tax retirement savings, generating a guaranteed income that lasts as long as you do. It’s a great way to diversify your portfolio, and make sure that all, or most, of your basic retirement expenses will be covered for as long as you live.

Immediate Annuities

Customizing Your Immediate Annuity

There are many features you can add to your immediate annuity so it properly fits your needs. We’ve broken down the options you can select to customize your immediate annuity.

Immediate Annuities

How Will My Immediate Annuity Be Taxed?

The kind of savings used to purchase your immediate annuity will determine the taxes owed on the income payments you receive. We’ve broken down how you may be taxed.

Immediate Annuities

The Financial Value of an Immediate Annuity

Comparing the exact financial value of an immediate annuity to a traditional investment product is like comparing apples to oranges. But it’s important to make some assumptions and run the numbers. So here it goes!

Immediate Annuities

Should You Buy an Immediate Annuity?

An immediate annuity can provide you with peace of mind during retirement. While not right for everyone, find out if an immediate annuity fits your retirement needs.

Immediate Annuities

The Pros and Cons of an Immediate Annuity

Immediate annuities have many financial benefits that help make retirement planning simpler, but also some drawbacks. Find out what an immediate annuity has to offer before you purchase.

Immediate Annuities

What’s an Immediate Annuity?

The immediate annuity (sometimes also referred to as a Single Premium Immediate Annuity or SPIA) is a pension-like product you can buy for yourself from an insurance company using your retirement savings. An immediate annuity generates a guaranteed income stream that lasts as long as you do with income starting no more than a year from your purchase. It’s a way to diversify your portfolio, and make sure that all, or most, of your basic retirement expenses will be covered for as long as you live.

Other Annuities

How a Fixed Indexed Annuity Really Works

Fixed indexed annuities are complicated products that don’t do everything they promise. Here’s what a fixed indexed annuity looks like in real life.

Other Annuities

What’s a Fixed Indexed Annuity?

A fixed indexed annuity sounds like the best of both worlds — an income which doesn’t stop and the ability for that money to grow, as it would in the market. But, the insurance companies and brokers sell them for very high fees with lots of caveats.

Social Security

Changes to Social Security

While Social Security has evolved since its inception, projections of its available funding has created concerns of its future viability. There could be changes to Social Security going forward. Here’s what you need to know.

Social Security

4 Ways to Supplement Social Security

For most Americans, Social Security only accounts for a portion of their retirement income. Here’s how you can fill this gap to ensure you have enough income during your golden years.

Social Security

Taxing Social Security Benefits

Your combined income affects how much your Social Security benefits are taxed. Learn what tax bracket you fall into.

Social Security

Recent Revisions to Social Security Benefits

Recent changes to the Social Security Act affect how married couples can claim for spousal benefits. Find out if these amendments change your claiming strategy.

Social Security

How Social Security Is Protected from Inflation

Social Security is impacted by the Cost of Living Adjustment (COLA) which accounts for inflation changes. Because of concern of how adequate this adjustment is, there are possible alternatives for Social Security reflecting inflation increases.

Social Security

Smart Strategies for When to Claim Social Security

While you can claim your Social Security benefits at different times, there isn’t a single age that is right for everyone. It’s important to consider these facts when deciding which age is right for you.

Social Security

Social Security by Age of Participant

Knowing when you’re eligible to receive Social Security impacts your retirement planning. We’ve broken down the three key ages for when you can start.