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Annuities can provide contractual guarantees, tax-deferred accumulation and retirement-income options, depending on the type of contract. In exchange, they may require a long-term commitment and can include surrender charges, limited liquidity, taxes, product-specific fees or adjustments, and limits on growth. The important point is that not all annuities have the same advantages […] Read More...

Retirement planning often focuses on growing savings. But preparing for retirement can also mean thinking about how your plan may respond to changing markets, interest rates, income needs and the possibility of a longer retirement. You have probably spent years thinking about how much to save for retirement. As retirement […] Read More...

Many people associate guaranteed income with the moment they retire — or even later. But in reality, thinking about guaranteed income earlier may help you make more informed decisions as you develop your retirement plan.  This doesn’t mean you need to commit to anything right away. It simply means understanding when guaranteed income may […] Read More...

When people think about retirement planning, they often focus on when they want to retire. But there’s another question that may be just as important: How long might your retirement income and savings need to last? For many Americans, retirement can span 20, 25, or even 30 years. Understanding this timeline can […] Read More...

Why MSCI World Could be Considered as Part of a Broader Strategy  Building a retirement strategy often comes down to one key question: how do you balance growth potential with simplicity? The MSCI World Index crediting strategy was added to the Harbourview FIA lineup with that balance in mind. Not all markets […] Read More...

The Case for Global Diversification When it comes to retirement planning, many portfolios naturally lean toward U.S. markets. And for good reason—the U.S. has long been a major driver of global growth. But today’s economy is broader, more connected, and increasingly global. That’s where the MSCI World Index crediting strategy, available within […] Read More...