Fixed index annuities track a market index or indices. They are tax-deferred and offer a guaranteed minimum surrender value. These annuities are regulated not by the SEC but by the state insurance departments. However, they may charge an administration fee. Learn more about fixed index annuities. Annuities that track one or more market indices Annuities […]
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A Roth IRA calculator is a great way to estimate your potential savings and returns. You can use it to determine whether or not the Roth IRA is right for you. You can also use it to compare different types of retirement account. Knowing which option will offer you the most significant benefit can make […]
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A lot of people don’t know the difference between a Roth IRA and a traditional IRA. A traditional IRA is funded with pre-tax dollars, which means that you don’t pay taxes on the money that you put into the account until you retire. A Roth IRA, on the other hand, is funded with post-tax dollars, […]
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Switching your IRA account provider is easy, and you can do it anytime. The best way to do it is to trade directly from one broker to another. When you switch to a new provider, your current IRA account will be transferred to your new IRA account. Once transferred, your new provider can provide additional […]
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Before hiring a social security planning advisor, you should know what the benefits are and what the requirements are. In addition, you should know what qualifications a social security planner must have and how much they charge. You can learn about their qualifications, experience, and fees by reading the following article. Then you can decide […]
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Learn about how to start a Roth IRA. Learn about eligibility requirements, contribution limits, and choosing investments. With the information below, you will be well on your way to investing in your future. Investing in a Roth IRA is easier than you might think. RamseyTrusted investing pros can help you get started. These professionals will […]
Read MoreDarcy Bergen notes that if you’re planning to retire from the workforce, you’ll want to look at the social security retirement age chart. These charts show the benefits you can expect if you decide to delay retirement. While the younger generation may feel pessimistic about receiving benefits, new funds are continuously pouring into the system. […]
Read MoreDarcy Bergen thinks that contributions to a traditional IRA are tax-deductible, and the funds grow tax-deferred. You may even withdraw the money tax-free, if you want to. The only limit is the first home distribution limit, which is $10,000 per lifetime. In addition, a traditional IRA distribution is a substantially equal periodic payment program, which […]
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According to research from Fidelity, the average retired couple in 2020 at age 65 could need an estimated $295,000 in after-tax savings to cover retirement healthcare expenses. As an experienced financial advisor at Bergen Financial Group, Darcy Bergen explains an emerging trend of using health savings accounts (HSAs) as a powerful retirement planning tool. Considered […]
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Financial advisor Darcy Bergen draws from tremendous experience. For over two decades, he has advised clients of all stripes as a financial planner. He started Bergen Financial Group in 2003. Midland National’s annuity division has recognized him as a top20 advisor in sales repeatedly. In 2015, Darcy Bergen became a fiduciary, which requires a series […]
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