Obel Financial Advisors

11/08/2020

If anyone is looking for a place to call home in San Francisco, my property is ready to be be your home.

For rent: $5,600. An Exquisitely Remodeled Home for your Discerning Taste. A Grandiose Foyer. Large Beautiful Gas Kitchen, Large Bedrooms, Living Room, Dining and Breakfast Areas. Brand-New High End Stainless Steel Appliances. Original Hardwood Floors and New Italian tiles. AC in Master Bedroom. A V...

01/30/2020

Social security is a tricky subject to broach with a lot of clients. They’re either in the program, heard horror stories from their friends about it or don’t think it’ll be around long enough to help them out. However, it can be the backbone of many people’s retirement. If you would like to chat about social security benefits or any other type of financial planning, give me a call, shoot me an email with the information in my bio, or drop a message in the comments below!

Not fully understanding this factor could throw off your entire retirement plan.

01/28/2020

This recent article in Forbes is a pretty great overview of why, as the title suggests, Annuities Are The Unsung Heroes Of Retirement Income Planning. It picks apart some common misconceptions about annuities. It also highlights great reasons annuities are a valuable part of your retirement portfolio like how research has shown they actually reduce retirement portfolio failure.

Whether you love or hate annuities, research shows that they can add a lot of value in a retirement income plan. Annuities do more than just lock up your money in an expensive insurance product, they can provide tax benefits, secure cash flow, longevity protection, and actually free up other assets.

01/23/2020

Thanks to advances in science and medicine, people are living longer — especially those who get to retirement age, 65 years old. A recent study from Stanford University found that the average age of death in those who live to be older than 65 increased by three years in every 25-year period, which means that people can expect to live about six years longer than their grandparents, on average.

An annuity is a perfect way to make growing older easier. Let’s get together and make that plan for the future!

Life expectancy data from the past 50 years shows that people who survive to age 65 are continuing to live longer than their parents – a trend that doesn’t appear to be slowing down.

01/22/2020

According to Harvard’s Joint Center for Housing Studies, in households with someone at least 65 years old, 8 in 10 homes are owned. Owning your home and land is one of the hallmarks of planning for one’s retirement. But what if that common wisdom was wrong? What if renting is the way to go to best prepare for retirement? That seems to be the trend, as evidenced by a report that noted that the percentage of renters at least 60 years old increased more than 40% in the 10 years through 2017. That exceeded the 31% growth rate for homeowners of the same age.

What has been your experience? Are you a retiree with a rental? Or have you set your roots down by owning your own home? Let us know in the comments!

For an increasing number of retirees, there's a new American dream.

12/26/2019

No two retirees are the same, so why should their plans be? With fixed-term annuities, you can tailor your retirement plan to suit your needs. Give me a call and let's discuss why fixed-term annuities are right for you! For more info, click the link in my bio and let’s talk

Attending the weekly bingo or walking on distant beaches in white linen shirts. The traditional views of retirement are far from the modern reality. Today, no two retirements are the same.

12/25/2019

Merry Christmas from us to you! We hope it's been a Merry Good Year!

12/24/2019

With the economy on a rollercoaster lately, is this the right time to make your retirement income plan? With the Fed lowering its key interest rate, should you wait until the rates are raised? For more info, click the link in my bio and let’s talk.

As you design your retirement income plan, you might think that the Fed's cut in interest rates will force you to switch gears. But remember: Whether it's dividends, interest or annuity payments, don't try to time the market.

12/12/2019

When we’re talking about investments and cash flow, we’re not talking about the budgeting of your long-term plans. A budget is used to track expenses. Cash flow is really about strategically using money to not only live your life but to create more income sources for yourself. When you put your focus on cash flow, it solves a hundred other decisions.

The process is a lot like putting a puzzle together.

12/10/2019

Fixed Index Annuities are one of the more misunderstood annuity products. FIAs should be compared to insurance products, not investment security products like mutual funds. They allow clients to protect the principal of their investment in the insurance product while letting the annuity be credited with growth based on certain indexes like the S&P. Contact me today and let’s discuss how an FIA can help build your portfolio in the long-term.

Research has shown FIAs can outperform bonds, making them a solid bond alternative.

12/05/2019

Use annuities to help reduce the risk of running out of money in retirement! Annuities can help you generate a paycheck for life!

Insurance policies can be valuable tools for an investor to reduce risk.