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The Goff Financial Group

Houston Fee Only Financial Advisors

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Pension Lump-Sum vs. Annuity: Which to Choose?

September 18, 2023 by Robert Seal

pension lump sum or pension annuity paymentsOne of the questions we often get from our clients is, “Should we take the lump-sum option or the annual payments when receiving distributions from our company pension plan?” Just like deciding whether to “buy or rent”, there are several factors in play in determining the best course of action. Let’s first go over these [...]

Filed Under: 401k Plans, Annuities, Investment Management, IRA, Lump Sum, Portfolio Management, Retirement, Wealth Management

Bundle Up? Not When It Comes To Financial Services

June 3, 2016 by Matthew Goff Leave a Comment

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For many people subscribing to satellite services or cable television over the last couple of decades, the business model has been “bundling services” like television, Internet and phone together for a single rate. However, in this system, many customers are paying for TV channels that they never watch or for a landline that they rarely use. With the increased popularity of “cutting the cord” to cable and satellite TV in order to watch TV series and films on Over-The-Top (OTT) content devices, there have been calls, even from Washington, for a “pay for what you watch” or “a la carte” approach.  Continue Reading …

Filed Under: 401k, 401k Plans, Annuities, Bonds, Debt Management, Fiduciary, Financial Advisor, Investing, Investment Management, Mutual Funds, Portfolio Management, Registered Investment Advisor, Retirement, RIA, Stock Broker, Stocks, Taxes, Uncategorized, Wealth Management Tagged With: CFP, choosing experts, CPA, estate planning, financial planning, financial services, investment advisor

Annuities: Are They a Good Option in Turbulent Times?

March 22, 2016 by Matthew Goff Leave a Comment

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As Americans get older and the stock market goes through a periodic decline, the temptation to decrease risk over fears of running out of money makes people turn to annuities, according to the recent New York Times article entitled “Annuities as an Alternative to Shaky Markets? Not So Fast.” Single Premium Immediate Annuities (SPIA) are an especially enticing option as Americans near retirement, because by paying an upfront premium, persons can draw a payment periodically for the rest of their lives.  Continue Reading …

Filed Under: Annuities, Fixed Income, Interest Rates, Investing, Lump Sum, Pension, Retirement, Wealth Management

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