What most people don’t know about annuities (But should)

Annuities have become a significant component in the retirement income strategy of Americans as they get into and live through retirement. These financial products are offered by insurance companies, uniquely combining investment and insurance features into one flexible yet protective solution. Here’s why annuities are so apt for today’s investment scenario.

Breaking the Social Security crisis: Are we too late to fix it?

Social Security is at a crossroads. By 2035, the trust fund that supports millions of Americans could run dry, leaving payroll taxes to cover only 83% of promised benefits. Without action, recipients may face a painful 17% cut. The root issue? An aging population and a shrinking ratio of workers to retirees, now just 3-to-1 and set to decline further.

It’s time to rethink Social Security—ensuring it works not just for today’s retirees but for future generations too.

Wealth transfer made easy: Everything you need to know about Trusts

When thinking about the dissemination of wealth to ensure your family’s financial future, one can find few more powerful tools than trusts. They offer much more than a vehicle to save on taxes and are an effective way to keep your assets safe, retaining control over your wealth distribution and giving one’s family enduring peace of mind.

In this newsletter, we are going to guide you through what trusts are, how they work, and the distinct types available. Let’s find out why trust is so important for people who want to keep and manage their wealth well.

What’s the deal with retirement in America in 2025?

Americans are waiting longer to retire than we have seen in the past. This is due to a number of factors, such as increased costs of living requiring more savings, longer life expectancy meaning retirement lasts longer and requires more money, more flexible employment options leading to more “semi retirees” and many institutional factors like the rising age to access social security and the full slate of benefits along with it.

Thriving, not just surviving: Your guide to U.S. economic uncertainty

The US economy has been a paradox: strong toward the end of 2024 juxtaposed against an uncertain 2025. This year has borne witness to significant growth led by a strong customer base coupled with government assistance while the future is still somewhat hazy. So, let us take a look at how the US economy is really doing?

Investing in real estate vs. stocks: Which is right for you?

The debate between real estate and stocks is a common debate when it comes to building wealth. Each has its own advantages, risks, and opportunities. But which one is aligned with your financial goals and lifestyle? Let’s break it down in simple terms and uncover what might work best for you.

Must-know facts about your credit score

Credit scores are often regarded as statistical values to lenders, but they utilize this information to assist in deciding whether or not they wish to lend their funds to potential borrowers. A credit score impacts the borrowing of funds as much as it does when one is requesting a new borrow, credit card or even a phone contract. Nonetheless, there is a lot of confusion about the elements that have a bearing on its determination. Allow us to clarify that.