COTO Insurance & Financial Services Blog

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Why Buy an Annuity When the Market is Up?
July 16, 2019

Perhaps you are familiar with an annuity. The basic premise is that you convert a lump sum of money into a stream of income. Unlike an investment, once you commit a fixed amount of money to the insurance company, that company is contractually obligated to provide you a minimum level…

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Tech Talk: Energy Innovation, Machine Learning and Artificial Intelligence
July 9, 2019

Technology is the largest single segment of the stock market — bigger than the industrial and financial sectors. It’s also an industry of constant innovation and unlimited potential, presenting enormous investment opportunities for both institutional and Main Street investors. This is great for tech companies needing substantial capital to fund…

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Assessing your Mortgage Situation in Retirement
June 22, 2019

When it comes to retirement preparation, a common benchmark goal is having one’s mortgage paid off. This typically removes a large, ongoing payment from the budget and can reduce retirement expenses substantially. Some people even schedule their retirement just after their final payment date. Here’s an even better idea: Schedule…

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Don’t Let This Social Security Myth Worry You
May 27, 2019

Maybe you heard it on the evening news, or you read a scary headline on Facebook. Perhaps you’ve been subjected to water cooler gossip at work, or your cousin brought up the subject at a recent family gathering. Whatever the source of the information, you might have heard that Social…

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