How To Avoid Clipping Coupons and Pinching Pennies In Your Old Age

0 annuities fixed variable self made pension guaranteed lifetime income annuitization advanced estate plan life insurance annuity

Erin Bui chats about her grandmother’s financial constraints in Vietnam, which mirrors what many seniors are going through in the United States. Creating a protection plan (encompassing estate plan, life insurance, and annuities), should help ease the financial worries seniors face. After working so hard all your life, there finally comes a time when you […]

Breaking The Cycle of Poverty: Start With Your Mindset

0 financial frame of mind basics goals dont be a slave to your finances

Marc Ang gives a pep talk about some financial basics, such as saving money, not spending more than you have and focusing on your financial goals; based on a real life example of a successful retiree, Carla. Having financial basics are key before you even think about insurance and investing and keeps you from being […]

College Savings: 529s or Roth IRAs?

0 Mangus-college-savings-529-investments-tax-advantaged-roth-ira-alternatives

While I am a huge fan of 529s and their ability to grow tax-free (tax-free distributions as long as they are for educational expenses), it is this exact rule that may end up hurting a family’s investment due to its rigidity. For high income families, the 529 is great. If you are a middle class […]