9 12, 2021

How Much Money Is Needed In Retirement

By |2021-12-10T23:07:53+00:00December 9th, 2021|Retirement Planning|

"One of the thorniest issues facing retirees is how to determine much money they will be able to spend when they no longer work. Even data-focused planning has a hard time solving the dilemma of knowing exactly how much to withdraw without compromising one's lifestyle." Paul Hubbard III A persistent concern of those at or [...]

8 12, 2021

Do Not Be Quick To Click

By |2021-12-09T00:03:48+00:00December 8th, 2021|Insurance, Uncategorized|

Don’t be quick to click; make sure it’s legitimate.    The world has gone digital, so have your assets and much of your personal information. Cybercriminals are aware of this shift but are also mindful of how ill-prepared many people are when protecting themselves in the online world. While cybersecurity might seem complex, a little [...]

7 12, 2021

Eight Of The Most Tax-Friendly States For Retirees

By |2021-12-09T23:54:05+00:00December 7th, 2021|Estate Planning, Retirement Planning|

"If you're considering moving when you retire, have you considered the potential tax issues?" Eric Coons Many retirees choose to move after retiring, whether to be closer to kids and grandkids, enjoy more leisure activities, or make their retirement dollars go further. However, if you're thinking of relocating, be sure you don't focus solely on [...]

7 12, 2021

Decumulation: It’s Like Investing, Only Harder

By |2021-12-10T18:12:06+00:00December 7th, 2021|Financial Planning, Retirement Planning|

"When the time comes to spend down your retirement assets, there's no "magic formula." However, common sense and flexibility, along with diligence, will go a long way toward helping you achieve your goals." Jerry Yu What percentage will you need to withdraw to make your retirement savings last longer?  If you're like most people, you [...]

4 12, 2021

If You Still Work, Should You Consider Buying Disability Insurance?

By |2022-01-06T21:23:22+00:00December 4th, 2021|Insurance, Retirement Planning|

"Protecting your paycheck is a crucial consideration. Don't underestimate the impact an income-disrupting injury or illness could have on your retirement plans."- Gary Stewart   Is your paycheck protected? An essential asset most Americans possess is the ability to work and earn a paycheck. So, what happens if you lose your ability to make a [...]

3 12, 2021

The Dark Side of Compound Interest

By |2021-12-03T08:21:43+00:00December 3rd, 2021|Investing|

Compound interest is a true miracle or a true disaster; it all depends Ben is an elderly man living independently, subsiding on a below poverty income. Ben and his siblings have been continually active for years in our small town in Northern California. Ben helps at his church and helps his neighbors and community, always [...]

1 12, 2021

Should Federal Employees Take Advantage Of The FLTCIP?

By |2021-11-24T00:28:22+00:00December 1st, 2021|Insurance, Retirement Planning|

"Seven out of ten American adults over the age of 65 will need some form of long-term care during their lifetimes. If you're a federal employee, you may want to look into the FLTCIP." Joe Runza Many government pre-retirees don't realize that, with rare exceptions, neither traditional health insurance nor Medicare provides LTC coverage. This [...]

16 11, 2021

Have You Planned For The Financial And Emotional Impact Of Caring For Your Parents?

By |2021-11-16T23:33:48+00:00November 16th, 2021|Annuities, Retirement Planning|

"It can be wonderful to grow old with your parents. However, you'll need strategic planning to ensure that caring for aging relatives doesn't drain your emotional and financial resources." -Jeff Kennedy. For the last 25 years, Barbara and her mother Delores had lived miles apart, seeing one another mostly on holidays or during vacations. While [...]