Insights

We always keep up with the latest industry news and trends to help our clients stay informed.

Explore our library of insights to learn more about the industry and how EIA factors this information into our strategies.

Pension Plan vs 401(k): Which Is the Best Choice for Your Future?

Choosing between a pension plan vs 401k is one of the biggest financial decisions many employees face. While both can help you save for retirement, their mechanics, risks, and long-term payoffs are fundamentally different. This guide breaks down the pension and 401k difference, explains the trade-offs in control and guarantees, and offers a framework for […]

Fixed Annuity vs Variable Annuity: What Every Investor Should Know

TLDR: Fixed annuities: guaranteed rate, low fees, shield principal; inflation risk, surrender charges. Variable annuities: market-driven growth, customizable riders, tax-deferred; high fees, volatility. Choose based on time horizon, risk tolerance, goal: stable income vs growth; ladder contracts, compare carriers, read fine print, evaluate fees, taxes, surrender schedules before investing with care. Choosing between a fixed […]

Annuity vs IRA: Pros and Cons for Your Financial Future

TLDR: Annuities buy income certainty—insurance contracts, unlimited contributions, costly fees and surrender charges. IRAs offer broad investments, low cost, but tight contribution limits and market risk. Both grow tax-deferred; Roth IRAs provide tax-free withdrawals; annuity earnings taxable. Blend vehicles: maximize 401(k)/IRA first, then fixed or variable annuity for lifetime income. Retirement saving is full of […]

Asset Management vs Wealth Management: Which Is Right for You?

Asset management focuses on optimizing individual investments like stocks or real estate, while wealth management takes a holistic approach to your entire financial life. Choosing between the two depends on your net worth, asset complexity, and long-term goals. Some firms offer both to create a comprehensive financial strategy. Asset Management targets the growth of specific […]

Annuity vs CD: Which Provides Better Returns?

Annuities and CDs both help grow savings but differ in structure, risk, flexibility, and returns. CDs offer FDIC-backed, lower-risk, fixed returns, while annuities provide more flexibility, higher potential returns, but with more complexity and risk. Choosing the right one depends on your goals, investment horizon, and risk tolerance. Issuer: Annuities are offered by insurance companies; […]

Are ETFs Right for You?

Many investors are looking for the next great deal. But before committing your hard-earned money to something new, it is essential to understand exactly what you’re buying, how it works, and the potential risks and rewards it may carry. One type of investment that’s been attracting increased attention in recent years is the Exchange-traded fund, […]

Planning for Uncertainty in Retirement

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Retirement is Different Than It Was

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Wildcards in Retirement

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A New Way of Thinking About Retirement Planning?

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The Inventor of the 401(k) Said What?

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The Unretirement Trend, and Outdates Assumptions in Retirement

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YOUR JOURNEY TO THE GOLDEN YEARS STARTS NOW.

“MAKING THE RIGHT DECISIONS AT THE RIGHT TIME, SITTING DOWN AND PUTTING TOGETHER A PLAN, AND FIGURING OUT WHAT IS AVAILABLE TO PROVIDE A LIFETIME INCOME IN RETIREMENT ARE ALL THINGS WE CAN HELP WITH HERE AT EIA.”

“STOP THINKING ABOUT RETIREMENT AS, ‘I HAVE TO GET TO [A CERTAIN NUMBER] BEFORE I CAN RETIRE.’ FIGURE OUT WHAT LIFE NEEDS TO LOOK LIKE, AND LET’S BUILD A PLAN THAT ALLOWS YOU THE OPPORTUNITY TO LIVE THAT LIFESTYLE.”

“WE ARE ALL ABOUT INCOME. WE WANT TO MAKE SURE YOU HAVE ENOUGH INCOME COMING IN WHEN YOU RETIRE. AND WE ALSO WANT TO MAKE SURE WE CONSIDER INFLATION AND TAXES.”