Category: Retirement Planning
Ensuring Better Health. Building Better Futures.
Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS When we talk about retirement planning, the conversation usually revolves around market crashes or inflation. But there is a quieter, perhaps scarier threat facing your retirement savings: Living a long life. This is known as longevity risk. Put simply, longevity risk is the chance […]
...
Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS When we think about an estate plan, we often picture complex legal documents like wills or trusts. However, one of the most powerful documents you own is likely a simple form you filled out years ago: your beneficiary designation. Whether it is for life […]
...
Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS At Agape Insurance, we often ask our clients a simple question: “Does your portfolio keep you up at night?” If watching the stock market ticker gives you anxiety, you might need a different approach with low-risk options. We call it the SWAN Portfolio—”Sleep Well […]
...
Author: Rob Sevilla Agency: Agape Insurance & Financial Group, Tupelo, MS If you search the internet for retirement savings advice, you will likely find strong opinions. But when it comes to the truth about annuities, it is hard to separate fact from fiction. Some people love the guarantee of safety, while others claim they “hate […]
...
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 […]
...
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 […]
...
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 […]
...
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 […]
...
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 […]
...
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 […]
...
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 […]
...
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 […]
...