The Lunsford Agency 69 West Second Street, Chillicothe, OH 45601
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Retirement Financial Planning Tips Videos

THE CD ALTERNATIVE … LEARN WHY MYGAS MAY BE A BETTER OPTION FOR YOUR MONEY

Watch this video to learn about:

  • How MYGAs and Certificates of Deposits (CDs) work
  • Why MYGAs typically have double the interest rates of CDs
  • The tax benefits of MYGAs vs CDs
  • Why MYGAs are considered to be a Safe Money Places financial product

LEARN THE BASICS: FIXED INDEX ANNUITIES 101

This video explains how a fixed index annuity:

  • Provides income you cannot outlive
  • Protects your principal from loss
  • Provides a reasonable rate of return
  • Participates in market gains, but NOT market losses

SAVE MONEY AND GET MORE PROTECTION WITH JOINT FIRST TO DIE LIFE INSURANCE

Watch our video to learn about:

  • ​Why most couples need more life insurance coverage
  • The importance of protecting the surviving spouse
  • Why Joint First To Die Life Insurance is typically less expensive than purchasing 2 separate life insurance policies
  • How it works and the benefits Joint Life provides
  • Why this policy works for most married couples at any stage of their lives

​LEARN HOW WEALTH TRANSFER WORKS AND PROTECTS YOUR HEIRS FROM THE TAX TIME BOMB

Watch our video to learn about:

  • Transferring wealth at the lowest possible rate of taxation
  • Which wealth transfer products are available to you
  • The “tax time bomb” and how it affects your heirs’ taxes
  • How to use the accelerated death benefits to help cover the costs associated with chronic illness
  • Why single premium life instantly increases the size of your estate

LEARN HOW TO DEVELOP YOUR VERY OWN PERSONAL PENSION PLAN

Watch our video to learn about:

  • Why your retirement needs may have changed over the years 
  • What the “3-Legged Financial Stool” concept is and how it works 
  • How to determine your current and/or future retirement income needs 
  • The difference between essential and discretionary income 
  • How to create your own Personal Pension Plan for retirement