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Articles by Bill Broich
2026 Social Security update: navigating COLA and retirement strategies
As the calendar turns to 2026, the mechanics of Social Security are undergoing another evolution. For many American seniors, these monthly checks are the anchor of their financial lives, making the Cost-of-Living Adjustment (COLA) a pivotal figure in every household budget. At a Glance: Social Security benefits will increase by 2.8% in 2026, resulting in an average $56 monthly boost. Medicare Part B premiums rise to $202.90 monthly, offsetting much of the COLA increase.
How to master compound interest for wealth growth in 2026
Modern annuities address longevity risk, market volatility, inflation, liquidity needs, and legacy planning, h[...] January 6, 2026
Longevity literacy reshapes health, wealth and aging
Modern annuities address longevity risk, market volatility, inflation, liquidity needs, and legacy planning, h[...] January 6, 2026
Modern annuities solve today’s biggest retirement risks
Stepping into retirement today requires a different playbook than the generations before us. In a world of 100-year lifespans and shifting global markets, the primary objective has moved beyond simple accumulation to distribution security. Modern annuities have transformed into precision instruments designed to solve the most pressing fears of the contemporary retiree. At a Glance: Longevity risk is addressed through lifetime income annuities that guarantee income for life.
Medicare myths that can derail your retirement plan
Medicare is an absolutely essential element of any successful retirement financial plan. Yet, it is often poorly understood. As a financial planner specializing in Medicare, I am continually astounded by how many false beliefs people hold about the system ― misconceptions that can lead to permanent penalties and unexpected out-of-pocket costs.
Guarding yourself against phishing scams in 2025
Key Highlights Phishing scams in 2025 show increased volume and sophistication New methods include email impersonation, smishing, and vishing Vigilance and independent verification are critical defenses Report fraud to FTC or the Anti-Phishing Working Group Phishing remains a persistent and evolving threat. Like a skilled angler, scammers bait their victims with convincing lures designed to steal personal and financial information. Staying vigilant is your best defense.
Five reasons women should consider annuities for retirement
In Brief: Annuities offer guaranteed lifetime income, easing fears of outliving savings. Modern annuities allow customization for long-term care and inflation protection. They provide predictable, steady income without ongoing management. Tax-deferred growth offers additional financial benefits for retirement planning.
How to choose beneficiaries for your financial assets
Key Highlights Choose beneficiaries to avoid probate and delays. Insurance policies allow primary and contingent designations. Bank accounts can use POD or TOD for easy transfer. Retirement plans may require spousal consent for changes. This information may help you decide who will inherit your insurance policies, bank accounts and retirement plans. A beneficiary is a person or entity that you name to receive the proceeds of your financial assets when you die.
Why balance training matters for retirees’ health
Key Highlights Balance training helps reduce fall risk and improve safety for retirees Exercises like Tai Chi, yoga, and water aerobics enhance stability Improved balance supports mobility, independence, and confidence Balance work boosts strength, posture, and long-term health outcomes It might seem silly, why would I write about balance in a financial column? Simple: Recently, I had a serious operation and recovering has been difficult. Keeping my balance was a core reason for recovering.
How to find purpose and joy in retirement life
Retirement marks a significant transition in life, offering a unique opportunity to explore new avenues and discover a renewed sense of purpose. While leaving the workforce can initially seem daunting or uncertain, many retirees find this phase of life to be incredibly fulfilling by identifying and pursuing meaningful activities that bring joy, satisfaction and a sense of purpose. One common approach to finding purpose in retirement is by exploring long-held passions and interests.
Planning for Long Term Care is Basic Retirement Planning.
By Bill Broich, Perspectives The subject of nursing home care, long-term care, and the impact on retirement planning is as intricate and demanding as trying to master a challenging golf course. Let’s dive right in, and don’t worry; I’ll try to avoid any sand traps along the way. The future need for nursing home care and long-term care is akin to a thundercloud looming over the sunny fairway of retirement planning.
A simple guide to rolling your IRA or 401(k) into an annuity
Rolling your Individual Retirement Account (IRA) or 401(k) into an annuity may sound complicated but fear not – it may be straightforward and tax-free if done correctly. There are a couple of ways to do this: Through a direct transfer or a qualifying withdrawal. You’re more of an observer than an active participant in a direct transfer. Your financial institutions take care of the transfer after you’ve signed off on the necessary paperwork. Simple, right?
Protect Yourself From Common Scams
By Bill Broich Sadly, older adults are frequent targets of scammers. These criminals can be ruthlessly inventive, using ever-evolving techniques to deceive and steal from vulnerable individuals. It’s crucial to stay alert and recognize common scams so that you or your loved ones can stay safe. Perceived Wealth: Scammers may wrongly assume seniors have accumulated significant savings. Trusting Nature: Many older adults come from a generation where a handshake and your word were your bond.
To have a will or not to have a will, that is the question
The question of whether to have a will is a critical consideration for anyone who wishes to have control over how their assets are distributed after their passing. A will serves as a legal document that outlines your wishes regarding the distribution of your property and assets, guardianship of minor children and other important matters upon your death.
How is your annuity taxed in retirement?
As you navigate the retirement landscape, understanding the tax implications of your investments, particularly annuities, is paramount. Annuities are famous for their tax-deferred growth, but it’s essential to grasp their taxation nuances to optimize your retirement income. Tax-deferred growth Annuities offer the benefit of tax-deferred growth, meaning you don’t pay taxes on gains until funds are withdrawn or payments begin. This allows your investment to grow unhindered by taxes.
Navigate Investment Risks with Confidence
By Bill Broich Investing can be a powerful tool for building wealth, but it also comes with risks that can create significant anxiety for many people. The fear of losing money often prevents individuals from taking the steps necessary to grow their financial future. However, with the right knowledge and strategies, it’s possible to navigate investment risks confidently and turn that fear into fortune.
Should you consider moving when you retire?
Some retirees find they can add six to eight years to their retirements by moving. But there are lots of things to consider before doing so. It’s common for seniors who want to remain in their hometowns to trade their large homes for smaller, less expensive ones. Most retirees enjoy being in a familiar environment and having family and friends nearby but hate wasting time and money maintaining a large home. Downsizing is a popular choice because it’s more likely to be aligned with lifestyle goals.
Improve your 401(k) performance with these tips
In addition to the below tips, make sure you fully understand your asset allocation and the fees being charged. Many 401(k) plans have fees subtracted by the firm that invests and manages your account. If you are 59 and a half and are still working at the same firm where your 401(k) is, you may roll the funds to a self-directed IRA without any tax exposure. This allows you to select an asset allocation that might be timelier, especially as you get closer to retirement age.
Maximizing your savings at the bank
A Certificate of Deposit, or CD, is a financial product that banks and other financial institutions offer. It is a time deposit account that allows individuals to earn interest on their savings over a fixed period. CDs are a popular investment option for those who want a low-risk investment with a fixed rate of return. When you open a CD, you deposit a certain amount of money for a fixed period. This period of time can range from a few months to several years.
Here’s how to secure your retirement with annuities
As you embark on your retirement journey, ensuring financial security and stability becomes paramount. Annuities offer a range of unique features and benefits tailored specifically to the needs of retirees. In this blog post, we will address common objections that may arise and provide persuasive answers, highlighting why annuities are a valuable addition to your retirement strategy. Discover how annuities can provide you with the peace of mind you deserve.
The enduring importance of credit scores for retirees
Maintaining a robust credit score is often considered a priority during one’s working years, primarily due to its implications on borrowing capabilities and financial flexibility. However, the significance of a credit score extends beyond the years of employment and remains a critical aspect of financial management even in retirement. As individuals transition into retirement, their financial landscape undergoes a significant transformation.
What is your risk tolerance?
One of the most crucial things to understand in retirement is your risk tolerance. But what exactly is risk tolerance? It’s your ability to withstand investment losses without panicking and selling at the wrong time. Your risk tolerance might be high if you’re OK watching your investments dip in value occasionally, confident they’ll rebound. On the other hand, you might have a low-risk tolerance if you lose sleep knowing your retirement savings took a hit due to market volatility.
Self-directed IRAs offer more control but need babysitting
Listen to this article “Stay committed to your decisions, but flexible in your approach.”– Tony Robbins One of the most significant pieces of financial legislation enacted in the last 50 years was The Employee Retirement Income Security Act of 1974, better known as “ERISA.” ERISA directly responded to the realization that most Americans did not have enough saved for retirement.
Selecting the right life insurance policy for you
It is essential to carefully consider your life insurance needs before selecting a policy. Life insurance can provide financial security for your loved ones in the event of your death and can be an essential part of your overall financial planning. There are several types of life insurance policies to choose from, including term life insurance, whole life insurance and universal life insurance.
Social Isolation Is a Dangerous Illness
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Social Isolation Is a Dangerous Illness Original
What You Need to Know Loneliness can be as dangerous as smoking a pack of cigarettes per day. Help clients stay active, and help them support older friends and relatives. It may make dementia worse. As financial advisors we are in the primary role of meeting, understanding, and evaluating the financial position and goals of our prospects, clients, and referrals. I have been in numerous situations where I have been able to observe people in an isolated situation.
Annuity.com adds A.I. System to Enhance Content Delivery
A.I. helps manage the flow of content as “Super Boost©” readies for release. LAS VEGAS, NEVADA, UNITED STATES, March 2, 2023 / EINPresswire.com/ -- Annuity.com and Artificial Intelligence pioneer, AIMISocial announces their collaboration on providing a meaningful and constant flow of the information supplied by their agent authors to their readers.
The Millennial Generation and the Changing of the Life Insurance Industry.
Life insurance has been a big part of my lifetime business practice, and it has been a part of building portfolios and planning my client’s future. I was trained in the Northwestern Mutual system, which bases its sales practices on a solid and thorough fact finder, helping prospects set and attain their goals and providing dedicated service.
Don’t Get Ripped Off By Social Media Marketing
What You Need to Know The likelihood that anyone will see a given post is low. To generate leads, you need to post a huge number of posts. Posting good, original posts is expensive. I would estimate the fastest-growing marketing in our industry is agencies and individuals trying to convince us that social media marketing is the future. I get multiple offers daily, and I assume you are getting them also.
8 Important Facts About Retirement Planning
What You Need to Know You know clients can work past 65. You know retirement income is often taxable. New clients need to know that, too. Suppose your client doesn’t have enough saved for retirement. Research shows that the average American has $95,776 saved for retirement, and 1 in 3 Americans have no retirement savings.
Townsend Broich Acquire Full Ownership Of Retire Village
Database Management Specialists Safe Money Focused Content Safe Money Focused Content Focusing on a Safe Approach to Retirement Planning Annuity.com expands into Social Media Marketing The future of lead generation is not buying leads; it is referrals that are based on database management.” — Bill Broich TACOMA, WA, USA, September 20, 2022 / EINPresswire.com/ -- David Townsend and Bill Broich announce the acquisition of full ownership of Retire Village.
Eagle Eye Marketing to Your Target Niche
What You Need to Know A target market is a group of people who share similar characteristics. Demographic information is usually only part of the data needed for successful targeting. You also need information about how a prospective buyer thinks. Want to make your marketing budget as efficient as possible? Understand your target market and direct your marketing to that target. A target market is a group of people who share similar characteristics, such as age, income, lifestyle, or location.
My Mom's Quilt, A Story of Family Love
The Author and Cathy at the Italian Festival for the book release After Years of Effort, a Texas Mother's Quilt is Finally Finished, Completed with a new book by her son to fulfill his mom's legacy. My Mother's Quilt brought a waterfall of memories to me about my own mother. His book is so personal and so full of love it should be read by everyone.
Local Content Is Good Business for Your Business
What You Need to Know Many communities are news deserts. You know important things about your area. One way to help Write about some of what you know. Throughout history, residents of smaller communities have relied on local tribunes, gazettes, chronicles, heralds, and posts for credible and pertinent news and information. Sadly, in the past 15 years, more than one quarter of local newspapers have closed or merged with larger media outlets.
Gather All the Sales You Need by Building a Quality Database
This marketing concept began in the 1950s when a Northwestern Mutual agency in Chicago reached exhaustion from their agents asking for leads. That frustration led to an industry breakthrough that allowed their agents to run their business like a business instead of constantly beginning each Monday with the “lead stare.” The system was called the One Card System. It became the chassis for the evolution I created for myself, Retire Village. What is a lead anyway? Is it a sale?
Annuity.com Announces Creation of Syndicated Columnists
National Organization for Advisors who create. Pool and Share original content regarding financial topics. SYNDICATED COLUMNISTS IS A NATIONAL ORGANIZATION COMMITTED TO A FULLY TRANSPARENT APPROACH TO MONEY MANAGEMENT.
5 Secrets for Annuity Selling Success
2. Automate. Use tools of automation to make your business run smoother. Automate your payroll; automate anything in your office you can. Automate your monthly (or weekly) client outreach. 3. Delegate. Decide precisely what makes you money. Use a system to market yourself to your database, keep your clients, referrals and leads warm. For me, it is seeing people and selling annuities. Everything else I do is delegated. I delegate my appointment setting and my appointment reminders.
Building an Excellent Online Reputation
In fact, many so-called “reputation management” companies are banking on Google to keep circulating those bad reviews, so you will have to pay them to get rid of them over and over again. Unless you actively manage your online presence, an awful lot of your past can wind up in the court of public opinion.
Running Out of Money Before You Run Out Of Life
A recent article in Money Magazine (https://money.com/save-for-retirement/) shined a bad light on Americans planning for retirement. Health care expenses, people living longer, and the lack of company pensions are creating a future disaster for many Americans. How many? 40%! Health care continues to mystify many retirees who have perceived Medicare as free, the only part that is free is Part A.
Annuities Have the Wind at Their Back
(Photo: Robert Ranson/Shutterstock) Just like Sebastian Junger’s excellent book, “The Perfect Storm, ”the annuity industry has a major hurricane coming, blowing to its back. At no time in recent history has a storm of this epic proportion happened in the annuity industry. The aversion to any risk, the massive baby boomer population, and the absolute need for guaranteed income has shoved annuities to the forefront of the financial world.
All Is Not Quiet on the Annuity Front
(Credit: Thinkstock) Erich Maria Remarque’s epic novel, All Quiet on the Western Front, a story of young German soldiers caught in the horror of WWI, is considered one of the greatest books ever written. It tells the tale from the German infantry side of fighting a meaningless war and dealing with constant death and destruction. The epicenter of the story is a short truce that caused the front line to fall silent, if only for a couple of days.
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