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Variable Annuities

Some basics A variable annuity is a contract between you (the purchaser) and an insurance company (the issuer). In return for your premium payments, the issuer agrees to make periodic payments to you (if you elect this option), beginning either immediately or at some future date. Annuity premium payments may be made with after-tax dollars…

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Inside the Beltway

Legislation update Having expended a significant amount of political capital pushing the Build Back Better without passing it, Congressional leaders are mulling how to pass pieces of this legislation before the end of the 117th Congress. Given current inflation readings, it is unlikely that additional government stimulus is needed. Thus, legislators are more likely to…

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May IAG Grapevine

Jennifer Von Ruden assumed responsibilities as IAG’s Chief Compliance Officer on April 1 and also joined as a partner in our firm. Anne Sapienza and her fiancé, Tim Johnson, are planning a small wedding on September 24, 2022. Tom Peterson’s son, Gabe, graduated from Marquette High School and plans to attend the University of North…

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Welcome, Kyle!

Kyle Bence joined your IAG team on January 17 and will be working primarily with Lori Watt’s clients. His plans include learning the financial planning process, passing the required regulatory exams, and becoming a financial advisor. His primary goal is to serve others while listening carefully. This served him well in his previous role as…

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Older Americans: Growing Targets of Financial Fraud

America’s older generations grew up in a different world where it was customary to be courteous and trusting. Unfortunately, these exemplary standards of conduct could get some individuals into trouble. Con artists bank on the willingness of older Americans to trust in a variety of too-good-to-be-true investment “deals.” Therefore, many people already experiencing financial difficulties…

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CHRISTOPHER W. MITCHELL, CFP® RECOGNIZED IN FORBES AS A 2022 BEST-IN-STATE WEALTH ADVISOR

Chris Mitchell of IAG Wealth Partners, LLC was recently ranked No. 61 in WI in the 2022 Best-In-State Wealth Advisors list published by Forbes. This is the fourth consecutive year he has made the statewide ranking. According to Forbes, the annual list spotlights the nation’s top-performing advisors, evaluated based on a methodology developed by SHOOK…

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The Principles of Financial Literacy

Financial literacy refers to the skills and knowledge that allow an individual to make informed and effective decisions through their understanding of finances. Financial literacy starts by building a basic understanding of ‘money matters’ to create a sense of economic well-being, self-trust, and financial confidence. The principles of financial literacy include: Saving- Saving is preparing…

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Pi

You may not have thought about pi since your high school geometry class, but it is a magic number. It starts with 3.1415926535 and goes on from there forever. Pi was also the main character in the book (and movie) “Life of Pi,” a fictional tale of a young boy who survived 227 days on…

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Apprehension

These two words can strike terror in a parent’s heart: student driver. My middle child started drivers education class this quarter. As his book knowledge of driving grows, so does his input regarding his parents’ driving habits. I am choosing to use such opportunities as positive educational experiences instead of reacting to the slight jabs…

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Magawa

While most of you likely have a fairly negative impression of rats, they have many redeeming qualities that could benefit you if you can overcome centuries of negative press coverage sensationalizing their shortcomings. Just last week a heroic rat was memorialized globally for his efforts to save lives. According to this article, Magawa was an…

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Spike

There have been quite a few spikes in the news over the last month. From the Badgers’ women volleyball players capturing the national championship to the spike in COVID cases to the Omicron variant’s more effective spikes. However, no spike has caught our attention more in the new year than the spike in interest rates.…

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Expectations

The optimism of high expectations can either be highly motivational or grudgingly disappointing. Did 2021 meet your expectations? Going into 2021 most people were fairly optimistic that 2021 would bring an end to the COVID pandemic and a return to normal life. Those high expectations were seeded by the lows of 2020, and 2021 simply…

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POST GRID Element

How Much Disability Income Insurance Should You Have?

The amount of individual disability income insurance you should buy depends on three things: how much income you’ll need if you become disabled, how much money you can afford to spend on premiums, and how much insurance you’ll be able to purchase under the insurance company’s guidelines. Determine how much income you’ll need if you…

Tips for Talking to Your Kids About Your Finances

Many parents may find it uncomfortable, or even believe it is unnecessary, to inform their children about personal finance matters. Yet, communicating openly with your family members can help to reassure them about your financial and health care wishes. This may also ease the decision-making process for your family in many important areas. As time…

Insurance Nerd Day: 6 Interesting Insurance Facts

Insurance may provide a safety net for when things go wrong and might allow you to navigate life a little more confidently. Insurance Nerd Day is July 18. In celebration, here are six interesting facts about insurance you may not know. Insurance Originates from a Marriage Engagement The origin of the word “insurance” comes from…

An Introduction to Estate Planning for the Sandwich Generation

For members of the “Sandwich Generation”—those currently in their 40s and 50s who are caring for children and their parents who are over 65-years old—estate planning may seem like a low priority. After all, when you’re juggling multiple caregiving responsibilities daily, sitting down to draft a will is easy to put off. But estate planning…

Four Tips for Gaining Financial Independence

The golden rule of financial planning: if you can plan it, you can pursue it Over the past July 4th, we celebrated our country’s history of declaring independence and guaranteeing basic human freedoms. But true freedom includes financial independence, as well. Self-sufficiency isn’t guaranteed, but every one of us has the opportunity to achieve it.…

Basic Facts of Life Insurance

  Thinking of a future without ourselves in it, is not the most pleasant of thoughts…however, it is necessary to do so for the financial future of your family. Life insurance may provide you with the opportunity to bequeath money to your survivors, while at the same time, provide the necessary liquidity to help pay…

Will Rising Mortgage Rates Slow Down Housing?

The housing market has been frustrating for buyers and a boon for sellers, but there are signs that those frustrations might be easing – depending on where you live. Would-be buyers have struggled with historically low inventories, crazy bidding wars and now have to add rising mortgage rates to their worry list. Sellers on the…

Tax-Deferred Annuities – Are They Right for You?

Tax-deferred annuities can be a valuable tool, particularly for retirement savings. However, they are not appropriate for everyone. Five questions to consider Think about each of the following questions. If you can answer yes to all of them, an annuity may be a good choice for you. Are you making the maximum allowable pretax contribution…

Variable Annuities

Some basics A variable annuity is a contract between you (the purchaser) and an insurance company (the issuer). In return for your premium payments, the issuer agrees to make periodic payments to you (if you elect this option), beginning either immediately or at some future date. Annuity premium payments may be made with after-tax dollars…

Inside the Beltway

Legislation update Having expended a significant amount of political capital pushing the Build Back Better without passing it, Congressional leaders are mulling how to pass pieces of this legislation before the end of the 117th Congress. Given current inflation readings, it is unlikely that additional government stimulus is needed. Thus, legislators are more likely to…