“Now YOU can learn about retirement planning in plain English. Planning for retirement can be confusing. I cut through all the industry jargon so YOU can learn how to achieve your retirement goals.”

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Investing and Short Term Stock Market Performance


It can be very tough investing in retirement. When you retire you get a big pot of money called a 401(k) (or TSP, or other qualified retirement plan), and you have to manage it wisely to last you the rest of your life (and your spouse’s life if you’re married).

For most people this will involve investing it. Perhaps even investing a portion of it in the stock market. The stock market can be volatile. No one can perfectly predict it. And if you are not an investing expert, you will often doubt your own buy/sell decisions.Continue Reading

Top 3 Best Fixed Annuities For Retirement Planning


I’ve said many times before that annuities are not for everyone. But for many people they can be fantastic retirement planning tools.

But there are a lot of different types of annuities available on the market.

Perhaps the biggest broad distinction in the annuity camp is between “fixed” annuities and “variable” annuities. The big difference here is that “fixed” annuities do not have market risk, whereas “variable” annuities can decline in value if the sub-account investments do poorly.

But within these 2 camps of annuities, there are yet still more distinctions. It can be confusing.

So today I’m going to focus on the “fixed” annuity side and tell you about the 3 best fixed annuities for retirement planning. So here we go.Continue Reading

Are Variable Annuities A Safe Way To Invest Money For Retirement?


When we are young we are much higher risk takers. We’ll take more risks when it comes to driving recklessly, eating unhealthy foods, and especially when it comes to investing.

As for investing a lot of people in their 30’s can watch the value of their portfolios and 401(k) drop by 30% and not bat an eye.

At that age they know two things:

  1. I’ve got at least two decades to go before retirement, I can ride out the market downturns.
  2. I’m earning an income that covers my expenses. And I’ll be getting that income for at least two more decades. My investment portfolio does not support my lifestyle at this point.

The story changes a bit as an investor enters their 40’s. They know they have plenty more work years ahead of them to build up their portfolio. But they can also see what will soon be approaching: retirement.

Sure it may be over 10 years away, but 10 years can go by really fast.

Then as an investor enters their 50’s they can definitely see retirement approaching. They begin to wonder,

“What would happen to my retirement plans if my 401(k) had another big hit like I took back in 2008?”

Continue Reading

5 Ways To Not Run Out of Money In Retirement

One of the biggest concerns on a pre-retiree’s mind is, “Do I have enough money to retire?”

Because if you don’t have enough money to retire, but you decide to retire anyway, you run the risk of running out of money in retirement.

This is a big fear of many retirees. And it should be. For most people money represents the following:

  • Security
  • Survival
  • Ability to live the lifestyle I want
  • Ability to travel
  • Ability to enjoy life to the fullest

It is true that money can’t buy happiness. But it is also true that the lack of money will also not give you happiness. In fact, some of the most unhappy people you will ever meet will be the ones that are having a hard time paying their bills.Continue Reading


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Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor.  Tri-State Financial Group, and Tri-State Insurance & Financial Services, and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors. Chris Hammond is insurance licensed in TN.