Dan

Recruit, Retain, and Reward Key Employees with Nonqualified Deferred Compensation Plans

June 20th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans and Dan Schulte, Vice President and Manager, Annuities and Insurance

In order for a company to thrive, it is vitally important that employers are able to recruit, retain, and reward key executives through a comprehensive retirement benefits package.  The limitations placed on qualified retirement plans […]

Fixed Indexed Annuities Growth and Safety in Retirement

June 18th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

For many retirees, the difference between a more secure future and a more uncertain one is the success of their retirement income strategies.  Fixed indexed annuities (FIAs) can offer individuals principal protection, a death benefit for beneficiaries, and in some cases a guaranteed lifetime income stream.  […]

Indexed Variable Annuities May Provide a Buffer from Loss

June 14th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

There are times when stock market volatility leaves some investors worried about meeting their retirement goals. This has left many of these individuals seeking products that can provide downside protection with upside potential.  A product that can help give investors some degree of piece-of-mind in turbulent […]

Have Peace of Mind (and Reduce RMDs) with Qualified Longevity Annuity Contracts

June 11th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Wouldn’t retirement planning be easier if we all knew how long we were going to live? Individuals often underestimate how long they are going to live in retirement. As a result, many retirees face the risk of exhausting their savings and burdening their families in retirement.

Longevity […]

Year-End Financial To-Do: Have Peace of Mind (and Reduce RMDs) with Qualified Longevity Annuity Contracts

December 14th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Wouldn’t retirement planning be easier if we all knew how long we were going to live? Individuals often underestimate how long they are going to live in retirement. As a result, many retirees face the risk of exhausting their savings and burdening their families in retirement.

Longevity […]

What is Your Long-term Care Plan?

October 31st, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

According to the U.S. department of Health and Human Services individuals aged 65 and older have a 70% chance of needing care at some point in their lives.1 Also, it currently costs $102,930 annually for a private room in a nursing home in the United States […]

Delay Social Security Not Retirement

October 26th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance and
Theresa Fry, Senior Vice President and Manager, IRA and Retirement Plans

If you are like most pre-retirees, you may be wondering: “When should I begin taking Social Security retirement benefits?”  Americans can begin receiving Social Security retirement benefits as early as age 62. However, beginning benefits […]

Small Business Protection from Employee Death or Disability

September 27th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

All businesses, regardless of their size, have key employees that are invaluable to the success of the company.  In a small business, each employee usually has a more direct effect on a company’s profitability due to fewer employees interacting with customers, creating products, and/or performing services.  […]

Contractual Guarantees: Transfer of Risk and Peace of Mind

June 12th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

There is little argument that equities have produced impressive returns over a long period of time, but retirees and pre-retirees often begin to ask themselves questions such as, “How much risk am I still willing to take?” and/or “How afraid am I that I may run […]

Paying for Health Care in Retirement

June 5th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

People today are living longer, healthier lives than previous generations. And while longevity is something to celebrate, it does mean more years of paying for health care. That said, planning for the unexpected with insurance, and the premiums associated with that insurance, has become more important […]