BRI Presentation Videos
What is BRI?...
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Beneficiaries Who gets your money
Annuity Beneficiary Considerations A beneficiary is a person or entity that receives the value of the annuity or annuitization payments that remain (if any) after the death of the annuitant or owner. The annuitant or owner receives annuitization payments during his or her life (the annuitant provides the measuring...
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Annuity Moving Parts Explained
FINRA® Letter What is an equity-indexed annuity? While technically classified as a fixed annuity, an equity-indexed annuity (EIA), also referred to as a fixed-indexed annuity, can be described as a hybrid of a fixed annuity and a variable annuity, having some characteristics of both, and falling in between regarding...
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Annuities What No One Tells You
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The Everything Annuity White Paper
Annuities FINRA® Letter What is an annuity? The contract between purchaser and insurance company An annuity is a contract between you (the purchaser or...
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COVID 19 Corona Virus Scam Alert
Many charitable organizations are dedicated to helping those affected by COVID-19. Scammers often pose as legitimate charitable organizations in order to solicit donations from unsuspecting donors. ...
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COVID 19
Since the turn of the millennium, the market's negative response to health crises has been relatively short-lived. As this table shows, approximately six months after early reports of a major outbreak, the S&P 500 bounced back by an average of 10.47%. After 12 months, it rebounded by an average...
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What is a Bear Market?
If you're reconsidering your current investment strategy, a volatile market is probably the worst time to turn your portfolio inside out. Dramatic price swings can magnify the impact of a wholesale restructuring if the timing of that move is a little off....
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What is the difference between a Will and a Trust?
Wills and trusts are common documents used in estate planning. While each can help in the distribution of assets at death, there are important differences between the two....
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How to Tap Retirement Savings during a Financial Crisis
If your work-based retirement plan allows loans, you typically can borrow up to the lesser of 50% of your vested balance or $50,000. Most loans must be repaid within five years, but if the money is used to purchase a primary residence, the repayment period may be longer. The...
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You are going to retire when?
Just how wealthy are you? You'll want to figure that out before you make any major life decisions. Your first impulse may be to go out and buy things, but that may not be in your best interest. Even if you're used to handling your own finances, now's the...
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Money after Marriage
Merging Your Money When You Marry Getting married is exciting, but it brings many challenges. One such challenge that you and your spouse will have to face is how to merge your finances. Planning carefully and communicating are important because the financial decisions that you make now can have...
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IRA Distributions, What Is It?
Distributions from Traditional IRAs: Between Ages 59 1/2 and 70 1/2 What is an IRA distribution? A withdrawal from an IRA is referred to as a distribution. Distributions can come in the form of several payment patterns, from a one-time (lump-sum) payment to a series of distributions over several...
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IRA’s What you DON’T know
What are my options if I inherit an IRA or an employer retirement savings plan account? If you don’t want the money, you can always disclaim (refuse to accept) the inherited IRA or plan funds. But if you’re like most people, you will want the money. Your first thought...
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Financial Inventory
Asset Protection in Estate Planning You’re beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe from tax collectors, accident victims, health-care providers, credit card...
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Unemployment
What is coping with unemployment? Coping with unemployment means breaking away from the past and facing your future. It means dealing with the emotional, financial, and professional challenges unemployment can bring. Although this process can be painful, facing unemployment with a plan will help make coping with it...
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Go Fund Me
https://www.galadefinancial.com/services/#life...
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Funeral Planning
Planning a Family? Get to Know Your Health Insurance Policy Congratulations! You’ve decided to start a family. Up until now, your health insurance has probably been adequate, paying for routine doctor visits and prescription drugs. But now that you’re facing a lifestyle change, you must make sure that your...
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Job Offer Evaluation
If you're considering changing jobs, you're not alone. Today, few people stay with one employer until retirement. It's likely that at some point during your career, you'll be looking for a new job. You may be looking to make more money or seeking greater career opportunities. Or, you may...
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Borrowing Options
Establishing credit You must first establish a credit record if you want to have ready access to loans when you need them. You establish a credit record by borrowing money from a lender who reports to a credit bureau. So, what’s the problem? The problem is that few...
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Credit Issues
Establishing credit You must first establish a credit record if you want to have ready access to loans when you need them. You establish a credit record by borrowing money from a lender who reports to a credit bureau. So, what’s the problem? The problem is that few...
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Managing Debt
Debt Management What is debt management? As a modern consumer, you need credit. When you were growing up, you may have heard your parents or grandparents say, “If you can’t pay for it with cash, then you can’t afford to buy it.” That may have been sound advice...
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