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When most people think about retirement planning, they picture investment growth, portfolio balances, and market returns. But what truly matters once you leave the workforce isn’t just how much you’ve saved—it’s how much steady, dependable income your savings can generate. That’s why effective financial planning for retirement income is about more than just accumulating assets. … Read more
When planning for retirement, many retirees look for ways to protect their savings and secure a steady stream of income. One popular option is the fixed annuity. But like any financial tool, there are pros and cons of fixed annuities to consider before deciding if they’re the right fit for your retirement strategy. What is … Read more
When planning for retirement, one of the biggest challenges is ensuring you never outlive your savings. Annuities with lifetime income riders are designed to address that problem by providing a steady, predictable paycheck for life—no matter how long you live. But are they worth the cost? How Income Riders WorkAn income rider is an optional … Read more
How to Maximize Your Retirement Savings Using Tax-Deferred Annuity Strategies If you’re approaching retirement or leaving your job in 2025, you’re likely asking: What should I do with my 401(k)?With continued market volatility, inflation concerns, and rising interest rates, many savers are seeking safer, income-focused alternatives. One increasingly popular strategy is rolling over a 401(k) … Read more
As retirement approaches, many individuals face the same pressing concern: how to generate reliable retirement income without exposing their savings to stock market risk. At Advanced Capital Management in St. Petersburg, we help clients protect and grow their retirement assets using smart, conservative strategies—including Fixed Index Annuities (FIAs). What Are Fixed Index Annuities? Fixed Index … Read more
If there’s one financial truth that retirees can’t afford to ignore, it’s this: inflation doesn’t stop when you retire. In fact, it often hits harder. Whether you’re already retired or preparing to leave the workforce, building a stream of inflation-protected income is critical to maintaining your lifestyle and purchasing power over the next 20–30 years. … Read more
If you’re approaching retirement or changing jobs, one of the smartest financial moves you can make is to roll over your 401(k) into a secure, income-generating vehicle. At Advanced Capital Management (ACM) in St. Petersburg, we specialize in helping clients transition their retirement savings into Fixed Index Annuities (FIAs) that offer the potential for growth … Read more
As a federal employee, you have access to valuable retirement benefits like the Thrift Savings Plan (TSP) and potentially a federal pension. However, even with these advantages, successful retirement planning requires careful attention and strategic decision-making. Falling into common pitfalls can jeopardize your financial security in retirement. This article will highlight some of the most … Read more
Planning for retirement can feel overwhelming, especially when it comes to making sure your income lasts as long as you do. One of the biggest concerns retirees face is the income gap—the shortfall between retirement expenses and reliable income sources like Social Security or pensions. Fortunately, there’s a strategic solution available for residents of St. … Read more
Facing a medical condition that prevents you from performing your federal job can be incredibly challenging. During this difficult time, understanding your options is crucial, and one significant benefit available to federal employees is Federal Disability Retirement. This program, administered by the Office of Personnel Management (OPM), is designed to provide financial security to those … Read more