Four J Associates

09/19/2022

Jo Beth Power

11/17/2020

Believe it or not, a Roth IRA is an excellent way to save your money for your retirement years. This saving account allows your investment to grow tax-free. A Roth IRA is similar to a Traditional IRA, however, the only difference between the two is how they’re taxed. Roth IRAs’ contributions are not tax-deductible; but, it allows you tax-free withdrawals of your money upon satisfaction of certain conditions. With traditional IRA deposits, you get a tax deduction on your contribution but you have to pay at the time of withdrawal of your money. Of course, like other tax-advantaged retirement accounts, ROTH IRA has some specific rules which you need to know for 2020

There are some rules regarding your ability to contribute to a Roth IRA. If you earn the income above the income set by the IRS...

11/11/2020

You might not think about it now, but in the future, the chances are high that you may need some help in taking care of yourself. How will you pay for your medical needs? You can buy long-term insurance to prepare yourself for any medical mishaps. Long-term insurance plans cover those areas that regular health insurance doesn’t pay attention to. Long-term insurance covers the cost of necessities when you have any disease or disorder. Most long-term care insurance policies will help you in services like

You can buy long-term care insurance to prepare yourself for any medical mishappenings. Long-term care insurance plans cover those areas...

11/10/2020

A fixed index annuity is a long term saving option that guarantees several exciting benefits for retirement. One of the reasons to choose a fixed index annuity over another annuity, such as a variable annuity, is the high growth potential with fewer risks of losing your savings in the market. The fixed index annuity is designed to prepare a person for retirement and has particular tax advantages as well. Let’s start with the basic reasons to consider a fixed index annuity over other annuities.

A fixed index annuity is a long-term saving option. Here are 5 reasons to choose a fixed index annuity over other annuities for retirement.

11/09/2020

A Fixed Index Annuity is a long term saving option that guarantees several exciting benefits for retirement. One of the reasons to choose a fixed index annuity over another annuity, such as a variable annuity, is the high growth potential with fewer risks of losing your savings in the market. The fixed index annuity is designed to prepare a person for retirement and has particular tax advantages as well. Let’s start with the basic reasons to consider a fixed index annuity over other annuities.

A fixed index annuity is a long-term saving option. Here are 5 reasons to choose a fixed index annuity over other annuities for retirement.

11/06/2020

The Pareto Principle, also called the 80/20 principle, can be achieved with 20% of our dedication and commitment. It shows that this logic can be inserted in any aspect of our lives. That includes personal fulfillment, professional success, physical conditioning, and so on. Pareto believed that we should reduce our focus on different sectors of our daily routine, reinforcing only what can trigger a major benefit. In his view, people should focus on actions and projects that really matter.

The Pareto Principle, also called the 80/20 principle, can be achieved with 20 percent of our dedication and commitment. It shows that...

11/05/2020

You might not think about it now, but in the future, the chances are high that you may need some help in taking care of yourself. How will you pay for your medical needs? You can buy long-term insurance to prepare yourself for medical mishaps. Long-term insurance plans cover those areas that regular health insurance doesn’t pay attention to. This includes assistance with routine or daily activities like dressing, bathing, sanitary services, laundry, and many basic needs. Long-term insurance covers the cost of necessities when you have any disease or disorder. Most long-term care insurance policies will help you pay for services like

You can buy long-term care insurance to prepare yourself for any medical mishappenings. Long-term care insurance plans cover those areas...

11/04/2020

A Fixed Index Annuity is a long term saving option that guarantees several exciting benefits for retirement. One of the reasons to choose a fixed index annuity over another annuity, such as a variable annuity, is the high growth potential with fewer risks of losing your savings in the market. The fixed index annuity is designed to prepare a person for retirement. Let’s start with the basic reasons to consider a fixed index annuity over other annuities.

A fixed index annuity is a long-term saving option. Here are 5 reasons to choose a fixed index annuity over other annuities for retirement.

10/30/2020

Many tax-saving opportunities are standing at your door, and you just need to look for those opportunities. However, some Americans don’t know that some tax breaks exist, which can help in saving money. You should learn about those overlooked tax deductions soon before the amendment return deadline passes. Itemized tax deductions have given great opportunities to wage earners to pocket income, rather than handing their hard-earned money to tax departments. For those looking to save in tax deductions, this article discusses some of the overlooked tax deductions. These three tax deductions are very important and can be helpful if you want to save money on taxes.

Many tax-saving opportunities are standing at your door. We will tell you some of the top overlooked tax deductions. These tax deductions...

10/29/2020

A Fixed Index Annuity is a long term saving option that guarantees several exciting benefits for retirement. One of the reasons to choose a Fixed Index Annuity over another annuity, such as a variable annuity, is the high growth potential with fewer risks of losing your savings in the market. The Fixed Index Annuity is designed to prepare a person for retirement along with tax advantages. Let’s start with the basic reasons to consider a fixed index annuity over other annuities.

A fixed index annuity is a long-term saving option. Here are 5 reasons to choose a fixed index annuity over other annuities for retirement.

10/28/2020

There are lots of benefits for early retirement. When entering retirement, many do not know where to start! The first step should always be determining how much money you need to support your lifestyle through retirement. A great way to ensure that you have enough money to retire is to create an income floor. This should consist of a guaranteed income stream! Annuities are great for creating that income floor.

There are lots of benefits for early retirement. American Advisors Group discovered that 52% of Americans think to exit the full-time profession before...

10/27/2020

Whether you are near your retirement age or just starting your career, sometimes your savings, retirement plans, and finances may make you anxious. As a result, you start looking for the right lifetime income products in addition to your retirement plans. An annuity is one such lifetime income product that will help you financially secure yourself in retirement. Annuities are designed for people who were retiring and, therefore, needed a fixed monthly income. So, why not add it to your retirement plans? If you are planning to add annuities to your retirement investment, here is everything you need to know

An annuity is one such lifetime income product that helps financially secure in retirement investment. If you are planning to add annuities...