Decumulation Versus Accumulation
When you decide to retire, you will have to create a monthly income out of the retirement savings you have accumulated. Instead of earning and saving, you’ll be spending. The trick is, how do you spend without running out of money? Decumulation is a whole different way of thinking!

What is an FIA (Fixed Indexed Annuity)
An annuity might help you convert your retirement savings into a monthly income that can last as long as you live. You can sometimes think of annuities as your own personal pension. But not all annuities are the same. Learn more about fixed indexed annuities with potential for market growth plus protection.

How Required Minimum Distributions (RMD) Work
Some people are surprised to find that they have less money saved for retirement than they thought due to RMDs (Required Minimum Distributions) which start at age 73. The money you have in traditional retirement accounts like 401(k)s will be taxed as ordinary income when you take it out.

Portfolio Diversification to Withstand Market Volatility
When you are young and just starting out in your career, waiting out market downturns and continuing to invest makes a lot of sense; you can benefit from dollar-cost-averaging. But if you’re getting close to retirement, market downturns can lead to a complete depletion of your funds if you don’t diversify properly.