🎓 LEARNING CENTER
Retirement & Annuity Academy
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Myth vs. Fact: Retirement Income and How Long Your Money Lasts
Common misconceptions about spending less in retirement, the 4% rule, and predicting how long you’ll live.
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Myth vs. Fact: Medicare and Health Care Costs in Retirement
Common misconceptions about Medicare being free, covering long-term care, and enrolling while still working.
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Myth vs. Fact: Retirement Savings and 401(k)s
Common misconceptions about catching up late, employer matches, RMDs, and how much you actually need saved.
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Myth vs. Fact: Social Security in Retirement
Common misconceptions about claiming age, taxation, and whether Social Security will really be there for you.
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Sequence-of-Returns Risk: Why the Order of Your Investment Returns Matters in Retirement
Most people planning for retirement focus on average returns, such as what a reasonable long-term growth rate might be for a portfolio. That’s a…
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QLACs Explained: Using a Longevity Annuity to Manage RMDs and Outliving Your Savings
One of the harder problems in retirement planning is figuring out how to make sure your money lasts as long as you do, without…
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1035 Exchanges: Moving Insurance and Annuity Contracts Without Losing Tax Deferral
Life insurance and annuity contracts can grow cash value or gains over many years, and that growth is generally tax-deferred as long as it…
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How Inflation Affects Your Retirement Income
Why a fixed monthly income can buy noticeably less a decade into retirement, and what helps offset it.
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Retirement Planning in Texas: A Few State-Specific Advantages
No state income tax and a lower overall cost of living shape how far Texas retirement savings can go.
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Myth vs. Fact: Life Insurance and Annuities
Common misconceptions about being single, being older, and annuities being only for the wealthy.