PRoducts and services

Life insurance is especially important for parents with minor children. Oftentimes the most appropriate type is term life insurance because it provides the greatest death benefit for smallest  premiums. 

How much do you need? Try the Needs Calculator at Life Happens.

You can learn more about different aspects and types of life insurance at Life Insurance 101. 

Christopher Financial is partnered with a wide variety of insurance carriers so we can shop around for the best deals.

In The Role of Annuities in Managing Sequence of Returns Risk Approaching and in Retirement from the 2024 issue of The Journal of Retirement, Amit Soni of New York Life Investments demonstrates that when approaching retirement, including an annuity as a sizable allocation to a portfolio of traditional assets can reduce the risk of running out of retirement money. This happens because, unlike traditional stocks and bonds, the guaranteed nature of the annuity’s income stream offsets the sequence of returns risk. This sequence risk increases dramatically at precisely the time that an individual's financial plan transitions from the accumulation phase to the decumulation phase. Reducing sequence risk at this crucial time improves investment returns by avoiding drawdowns that cannot be recovered from while near and in retirement. This asset allocation approach reduces shortfall risk, yet it also increases the probability of having money left behind to bequeath. Furthermore, the simulation models indicate that earlier occurrences of possible liquidity events call for higher allocations to annuities.

Learn more about annuities at Annuities 101.