Constance Hoog

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ENCHANTED FOREST by Johanna Basford - color along - prismacolor pencils

Why Annuities Can Be A Good Choice For Retirement

Should you consider an annuity for your retirement savings? Few financial products provoke the discussion that annuities do. Yet annuities, which have been around in one form or another since ancient Roman times, are increasingly gaining attention as more Americans find themselves having to rely on …

Can You Afford Your Parents' Longer Lives?

Not-so-funny thing: For years, when I got together with my boomer friends and relatives, our kids would be Topic One. These days, it’s our aging parents. And, mostly, the conversation isn’t cheery.<p>Typically, we talk about how our moms and dads are growing frailer and about the caregiving they need …

A New Way to Save for Long-Term Care Costs in Old Age, But How Many Will Buy?

Earlier this month, with absolutely no fanfare, the Treasury Department announced what could be a major change in the way we save for retirement. It will now permit people to shift a portion of their 401(k)s or IRAs into a deferred annuity that provides a guaranteed stream of income once you reach …

Investing: When to take Social Security payments

Americans make lots of mistakes. That's not always a bad thing, because we usually fix them. The 3.5 version of any software usually works, as opposed to the 1.0 version. The second year of a new-model car usually doesn't catch fire when you open the glove compartment.8<p>But some mistakes are …

A Retirement Plan for Any Market

The biggest risk you face as a retirement investor? It probably isn’t the stock market or even the economy. It’s you.<p>Emotions are a major risk factor for any serious long-term investor, and it cuts both ways. When things are going great, we tend to want to buy, buy, buy. Yet that ensures we buy …

A Hidden Treasure: Annuitization Options on Older Annuity Contracts

From time to time my life insurance agency refers potential clients to me who need to make a decision with an existing life insurance or annuity …