Author: Hubb
Ensuring Better Health. Building Better Futures.
CDs vs. Annuities: Using Fixed Deferred Annuities or a Certificate of Deposit to Save for Retirement
Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS When you want to save for retirement without risking your principal, where do you turn? For decades, the local bank Certificate of Deposit (CD) was the default answer. But as inflation lingers and tax bills rise, many Tupelo retirees are looking for alternatives. This […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS For generations, the “golden watch” retirement was the standard. You worked for 30 years, and the company took care of you with a pension. Today, that reliable monthly check is largely a thing of the past. Most retirees in Tupelo are facing an “income […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS For years, you have diligently contributed to your retirement plan. You’ve watched your retirement savings grow, riding the waves of the stock market. But as you approach the first year of retirement, your retirement portfolio faces a new enemy and it is one that […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS For many in Tupelo, the goal is simple: retire early. You have worked hard, saved diligently, and now you want to enjoy your freedom. However, leaving the workforce early brings a significant challenge: the gap between your early retirement date and when you turn […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS When most people think about retirement planning, they imagine a single, long vacation. They picture 30 years of golfing, traveling, and exploring new hobbies without interruption. However, real life rarely follows a straight line. A successful retirement plan recognizes that your energy, health, and […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS One of the most common questions we hear from clients in Tupelo is: “Will Medicare cover my stay in a nursing home?” There is a widespread misconception that once you reach 65, your health insurance plan handles everything. The reality is quite different. While […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS When we sit down with clients here in Tupelo to discuss their retirement plan, the conversation often turns to travel, grandchildren, and hobbies. However, there is a “silent partner” in your financial plan that requires attention: inflation. Specifically, medical inflation. Healthcare costs in retirement […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS If you are approaching retirement in Tupelo, you have likely heard about annuities. You might have friends who swear by them as a “personal pension,” while others seem confused by the jargon. At Agape Insurance & Financial Group, we believe that an educated client […]
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For many people, the biggest fear in retirement isn’t boredom; it is running out of money. As pensions disappear, retirees are looking for ways to create their own guaranteed income. This is often where the conversation turns to annuities. But how do annuities work? Simply put, an annuity is a contract between you and insurance […]
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Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS When planning for the future, you have likely heard of 401(k)s and IRAs. But one tool often remains a mystery: the annuity. Clients frequently ask us, “What exactly is an annuity?” Simply put, an annuity is a contract between an investor and an insurance […]
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Author: Rob SevillaAgency: Agape Insurance & Financial Group, Tupelo, MS If you have recently opened your mailbox to find a letter from the Social Security Administration about your Medicare coverage, you might be confused. For many of our neighbors here in Tupelo, this letter contains surprising news: your Medicare premiums 2026 are going up, not […]
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Navigating Medicare can be complex and overwhelming, especially if you’re new to the system. For residents of Mississippi, understanding your Medicare options and how they fit into the local healthcare landscape is crucial. This guide will provide essential tips to help new enrollees make informed decisions and get the most out of their Medicare coverage. […]
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