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Why Annuities are the Answer

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on Tuesday, 08 May 2012 in Uncategorized
  The decline of the pension and the erosion of Social Security has begun to leave most retirees without a source of guaranteed lifetime income. Plugging that hole is emerging as the most important retirement issue of our day. Good luck figuring this one out. When it comes to the one sure-fire solution - immediate fixed annuities - retirees have a split personality. According to research from Harvard, 77% of retirees...
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Tags: 401k, annuities, guaranteed lifetime income, income, lifetime income, retirement
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Healthcare Law: What's at stake for you?

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on Monday, 02 April 2012 in Uncategorized
CHICAGO (Reuters) - Ordinary Americans have a lot at stake this week as the Supreme Court holds hearings on the constitutionality of the Affordable Care Act (ACA). It is not clear what the outcome will be, and it is not clear where Americans stand on it. While two-thirds of Americans oppose the individual insurance mandate that is at the heart of the Obama Administration's healthcare reform law, according to a Kaiser...
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Tags: estate planning, income, Medicaid
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Working 9 to 5 -- at 75. Don't Let This Happen!

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on Monday, 02 April 2012 in Uncategorized
After Ailika Thomas woke up from a snooze, her husband brought her coffee in bed. It was 7 p.m., and the 73-year-old was facing a long, moonlit drive from her rural Indiana home to Chicago; Dean wanted to make the journey as easy as possible for his wife. As she dressed, he warmed the car (a red Buick named Carmen) and stocked it with snacks -- containers of sugar peas,...
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Tags: asset protection, estate planning, income, retirement
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The Rules of Retirement Have Changed

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on Thursday, 15 March 2012 in Uncategorized
Our world has changed. Everything has though. From what we eat. To how we get our coffee. To how we commute. To how we work. How we communicate. Do I need to keep going here? Everything has changed. And the rules of retirement have changed, too. That's what we see on a daily basis. And everyday it smacks us in the face that what worked for our parents, and our...
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Tags: 401k, asset protection, estate planning, income, lifetime income, retirement
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How's the current economy, you ask?

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on Thursday, 01 March 2012 in Uncategorized
By Sam Liang Driving to the dentist recently, I heard on the news how bad the economy was. Then I got to the dentist and read a magazine while waiting in the office. In it was an article about the bad economy. When I finally got to my office to start my work day, there was a message that one of my very dear clients had passed away. Jack and his wife Carolyn became...
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Tags: asset protection, estate planning, income, lifetime income, Retirees Face Risk of Outliving Their Money, retirement
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Elder Care 101

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on Thursday, 16 February 2012 in Uncategorized
We saw this recently on www.Aging-Parents-and-Elder-Care.com. Click on the link below for some important information about the challanges of elder caregiving, and some advice and solutions to make the journey easier for all involved. http://www.rubinoandliang.com/images/2987_001.pdf...
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Tags: aging parents, Alzheimer's Disease, Durable Power of Attorney, elder care, Living Will, Medicaid, Medicare, National Academy of Elder Law Attorneys, Trusts, Will
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Retirement - The New Normal

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on Thursday, 16 February 2012 in Uncategorized
  Retirement Planning in the New Normal   Published January 26, 2012 | FOXBusiness, Jack Albertson In November 2007, “Bill” is getting ready to retire. After a severe downturn in his portfolio in 2000, 2001, and 2002, Bill has finally recovered most losses. He is confident that with the $2.5 million 401K he’s worked hard to build up, he can retire a year from now on his 65th birthday, and...
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Tags: asset protection, income, lifetime income, retirement
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Long-Term Care Options

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on Tuesday, 14 February 2012 in Uncategorized
Are you concerned about the high cost of home health care and nursing care? Many people buy long-term care insurance to make sure there are monies available if home health care is needed. This is a good thing. But what if you live for another 20 years and never use it? You could wind up with a large recurring yearly premium.  For a better option, read on: http://www.rubinoandliang.com/images/Client_Guide_To_Paying_Long_Term_Care.pdf...
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Tags: 2/6 Activities of Daily Living, Death Benefit, Lincoln MoneyGuard, long-term care, long-term care cost, MoneyGuard, Return of Premium
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Treasury Eases Rules on Offering Annuities in Retirement Plans (From Financial Advisor Magazine)

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on Wednesday, 08 February 2012 in Uncategorized
This just in from Financial Advisor's magazine: February 02, 2012 Treasury Eases Rules On Offering Annuities In Retirement Plans (Bloomberg News) The U.S. Treasury Department will help expand the availability of annuities and lifetime income choices in retirement plans, the agency said today.The department proposed two regulations to make it easier for those approaching retirement to buy an annuity through their company-funded pensions or 401(k) savings accounts. Annuities are insurance...
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Tags: 401k, annuities, income, lifetime income, retirement
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Worried About Retirement?

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on Monday, 06 February 2012 in Uncategorized
If you are worried about retirement and how to generate income, life just got easier. Read on for more information:   Breaking news:  U.S. Treasury, Labor Departments Act to Enhance Retirement Security for an America Built to Last Executive Actions Broaden Options, Increase Transparency for 401(k) Savers   Quick Links to Attachments:  Retirement Security Fact Sheet | CEA Retirement Report | DOL Fact Sheet   WASHINGTON - Following President Obama's State of...
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Tags: asset protection, income, lifetime income, retirement
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Upcoming Seminars

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on Monday, 06 February 2012 in Uncategorized
If you don't have a chance to make it to one of this week's seminars, we have more coming up in the months of March and April.  Sign up today for invaluable information on asset protection strategies and estate planning.  Call our office at 1-877-630-8787 to reserve your spot today....
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Tags: asset protection, estate planning, Medicaid, seminars
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Medicaid planning and asset protection

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on Monday, 06 February 2012 in Uncategorized
Rich Rubino and Sam Liang recently attended a two-day seminar in Detroit to gain even more knowledge about Medicaid planning and asset protection. They came back with a wealth of information to pass along to their clients. Highlights included a Funeral Estate Trust, a must-have Medicaid-friendly insurance policy used to pre-plan funerals. Find out more about this important part of the estate planning process. Call our office at 1-877-630-8787 and ask...
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Tags: asset, Medicaid
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A Free Guide to Social Security

Learn how to get the most out of social security and incorporate that into your income during retirement. There is a lot more to it than checking off a box! For your free copy of “The Retirees Guide to Social Security” please fill out the form below:

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Upcoming Seminars

Not all seminars are the same. Join us to learn how to manage your estate, protect it during your lifetime and leave it to your heirs. In everyday and simple language, Rich and Sam will show you how to utilize strategies that you can understand and use today.

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Rubino & Liang, LLC. broadcast a popular weekly radio show called "Protecting Your Wealth." Each week we discuss issues and solutions to problems that affect people just like you.

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