COTO Insurance & Financial Services Blog

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Social Security Benefits: Spouses, Ex-spouses and Surviving Spouses
July 30, 2019

As you begin the retirement planning process, it’s important to have a strategic income plan with regard to Social Security benefits. It is particularly important for married couples to consider not only when the primary breadwinner should begin drawing benefits but also how that start date could affect a spouse…

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Assessing your Mortgage Situation in Retirement
July 23, 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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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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