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An important decision for your advisory clients includes where they should live in retirement, so I wanted to share research conducted by on the best states to retire.

Maui-blue-grey_300x200-OPThe factors they used to analyze the choices included crime rates, cost of living, taxes, climate, and access to medical care.

Interestingly, at the top of the list was Tennessee. One of the primary reasons this is a desirable retirement location is their low cost of living and taxes. They also have some of the best access to medical care in the country.

The second choice was Louisiana. Louisiana has good weather. It has better-than-average cost of living as well as access to medical care.

If you are ready to achieve your goal, we recommend a Strategy Session, (use code PMAWelcome).

The third choice was South Dakota, home to Mount Rushmore and the Black Hills. It has the lowest crime rate in the nation. South Dakota also has the second lowest estimated tax burden. Having grown up in this state, it does have it’s pluses- the winter months are not one of them.

Next on the list, in fourth place, was Kentucky. Home of the Kentucky Derby! Kentucky has the fifth-lowest cost of living in the country. It also has relatively low costs for housing, transportation, groceries, and health care.

Last but not least, in fifth place was the Magnolia State, Mississippi. Mississippi has one of the warmest climates in the U.S. and has relatively low cost of living and taxes.

To see how your state compares, you can access the complete survey at Best Places to Live.


Earn More Money

by annettebau

One of the most critical wealth building and financial freedom insights includes your ability to generate or earn more money.

Annette Bau Resources 300x200-OPGenerally speaking, income is generated from investments or our job. By focusing on earning more revenue, it makes way for us to save (or save more), invest and accumulate more assets. Because we generally need income to become financially free, today we will dive into three options to help you earn more money.

Option #1: Get a raise

If you are employed, find out what it is you need to do to get a raise. It may include additional training, education or a combination of both. One of our friends went to his supervisor to find out how he could increase his responsibilities and (most importantly) his income. Read More…

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Spend Less

by annettebau

A few years ago, I attended a top producer meeting at one of the nicest hotels in Boston, Massachusetts.  Everything about the experience, from the service to the decorations, was impeccable!

Annette Bau Wealth Secrets While I have been blessed to stay at some of the nicest hotels throughout the world, this hotel made my A+ list. I had room service one night and remember thinking how many starving children I could have fed with how much the meal cost.

After a night out with the group who qualified for the trip,

I returned to find my linens turned down, and a piece of Godiva® chocolate with a “Life Secret” message on my pillow.  The message said, Read More…

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While most people dream of receiving an inheritance, 1 in 4 actually will, according to Princeton Survey Research Associates.

Annette Bau Gold OpTheir survey shared some interesting insight for you to ponder on your journey to financial freedom as well as your plan for inheritance, if you end up that lucky!  They shared that the projected inheritance median is $50,000- $100,000.  They also found out that the people who are planning to get a windfall have a wide range of strategies from no idea what they would do with it to a plan to invest or save it.  More on the survey in a minute.

Early in my career as a Certified Financial Planner®, I found out how most people handle their Read More…


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