Zar Razack

Life Insurance Options For Business Owners

• 11 min read

Life insurance is an effective tool that business owners can use to provide liquidity at their passing for both their businesses and their families. Having a properly drafted buy-sell agreement is key to avoiding conflict and memorializing how life i...

The Benefits Of Annuities

• 11 min read

Retirement isn't cheap. You may have heard that you will need 70 percent to 80 percent of your pre-retirement income, but the real figure might even be higher, depending on your circumstances. And retirement isn't short, either — you co...

Strategies On Saving For Retirement For The Wealthy

• 11 min read

While the 1% is a loosely defined, income-determined social class, we often assume that its members have so much money that they don’t need to plan for retirement. This is typically not the case. For those with roughly $2 million+, careful plan...

Couple In Mid-40's Plan For Retirement

• 11 min read

Rebecca and Bryan Vargas have steady work histories, some money in the bank and a rental home in North Seattle. They like their current circumstances. What worries them is the future, especially 20 years from now. The year 2037 is when Rebecca Varg...

Taxes In Retirement

• 11 min read

Most of the time when people come to see a financial professional, they want to talk about investments and returns. And as they get closer to retirement, much of that discussion is centered around risk: Are they taking too much, or possibly not enoug...

Are We About To See The End Of The Life Insurance Medical Exam?

• 11 min read

Peeing in a cup, giving blood samples, getting blood pressure checked and stepping on the scale were once unavoidable (and often dreaded) parts of applying for life insurance. But data services and technology are gradually replacing the life insuranc...

Can Life Insurance Be An Investment?

• 11 min read

Common uses of life insurance Life insurance is primarily used as an asset that will provide a death benefit to the beneficiaries upon the death of the insured. Common designs of these policies are to minimize the amount paid for the desired level o...

Life Insurance And Finances

• 11 min read

As federal employees plan for retirement, it’s important that they reevaluate their insurance needs. This includes health, long-term care, and life insurance. The unexpected need for expensive medical care, personal care due to a physical or me...

What Is A Medicaid-Compliant Annuity?

• 11 min read

Q. My mother is lives in a memory care facility in Bergen County. She is widowed and has liquid assets in the moderate six-figures with a small mortgage-free home valued in the low six figures. Can a Medicaid-compliant annuity be structured so that s...

How Annuity Pricing Works

• 11 min read

The Employee Benefit Research Institute (EBRI) recently did a study and found that four out of five workers are interested in some form of guaranteed lifetime income solution, Christopher Maarberg, director, product development, institutional income...

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