Annuities
Joint and Survivor Options on an Annuity, Explained
A survivor election on an annuity keeps income flowing to a spouse after one partner dies. Here is what that protection costs and what to decide before the contract is issued.
Knowledge for a Brighter Tomorrow
Helpful Resources for Every Stage of Life
Our resources are here to help you make informed decisions with confidence. You will find articles grouped by topic, from retirement planning to annuities, CDs and private lending, a plain-English glossary of the terms that come up, and a savings growth calculator you can use to see how your own numbers play out. Everything is educational and free to use.
Browse by Topic
Six Places to Start
Retirement Planning
Turning what you have saved into income you can count on, and the decisions that shape the years ahead.
Read articlesAnnuities
How fixed annuities work, what backs them, and where they fit in a retirement income plan.
Read articlesCDs & Safe Money
Certificates of deposit, FDIC insurance, laddering, and the rest of the conservative savings toolkit.
Read articlesPrivate Lending
Lending to an established residential real estate developer, secured by real estate, including the risks.
Read articlesMarkets, Rates & Protecting Yourself
Interest rates, inflation, volatility, and how to avoid the scams that target retirees.
Read articlesFinancial Education
The fundamentals, explained without jargon, so the bigger decisions are easier to think about.
Read articles
For Not-for-Profit Organizations
Savings for Churches, HOAs and Nonprofits
The NSS Investment Growth Fund, underwritten by NSS Life, is a savings program for not-for-profit organizations only. Funds are not insured by the federal government.
Plain-English Definitions
Retirement & Safe Money Glossary
Surrender charges, CD ladders, lien position and more, each explained in a sentence or two with a link to read further.
Interactive Tool
Retirement & Savings Growth Calculator
Enter what you have saved, what you add each month and your timeline, then watch how the balance builds and how much of it comes from growth rather than contributions.
Latest Articles
Fresh From the Blog
- Annuities
What Happens to an Annuity When the Owner Moves Into Care
When a family member moves into assisted living or a nursing facility, their annuity contract does not pause. Here is what ownership, income riders, and beneficiary designations actually do when health changes.
- CDs & Safe Money
How to Read a CD Disclosure Before You Sign It
Most CD disclosures run several pages, but only a handful of lines actually determine how your money behaves. Here is where to look and what to ask.
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