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Jerry Yu

About Jerry Yu

Jerry Yu has over 20 years of experience, establishing Reign Financial and Insurance in 2000. He is focused on helping clients save income tax, asset protection and wealth transfer. Jerry is also a member of the Million Dollar Round Table, Top of Table. Website: reignfinancialservices.us

Office: (626) 890-0090 | Reign Financial & Insurance Services

Articles by Jerry Yu

Will Adding A Fixed-Indexed Annuity To Your Portfolio Help Offset Inflation Risk?

February 26, 2022/in Annuities, Retirement Planning/by Jerry Yu

“Fixed indexed annuities are one way you can buffer the negative effects of inflation and design a more efficient retirement blueprint.” Jerry Yu Inflation and longevity are two of the most pernicious and impactful risks to a person’s retirement plan. Multiple studies indicate that the greatest fear of retiring Baby Boomers and Gen-Xers is running […]

Decumulation: It’s Like Investing, Only Harder

December 7, 2021/in Retirement Planning/by Jerry Yu

“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, […]

Are You Prepared For Living Longer?

November 24, 2021/in Annuities, Retirement Planning/by Jerry Yu

“People who want to live longer may not have counted the costs of doing so. There’s a lot to consider if you want to live long and be well.” Jerry Yu The idea of living longer appeals to many of us, especially as we begin thinking about retirement. Still, as enticing as it is to […]

Why Your Financial Advisor Should Be A Fiduciary

October 28, 2021/in Retirement Planning/by Jerry Yu

“A fiduciary advisor puts your best interests over their commissions.  Having a fiduciary might help you avoid getting products and services that don’t fit your situation.”  Jerry Yu If you were going on a cruise, would you want the ship’s captain to be a novice sailor or an experienced, licensed professional? You’ll probably choose the […]

Could “Substantially Equal Periodic Payments,” Help You If You Need To Retire Early?

August 13, 2021/in Retirement Planning/by Jerry Yu

“It’s great if you want (or need) to retire before age 59½, just be aware of the potential tax consequences.”- Jerry Yu If you have ever thought of retiring early, your advisor might have mentioned something called “substantially equal periodic payments,” or SEPP. These are also often referred to as 72(t) distributions. Anyone who wants […]

What’s Really Behind Those “7% Guaranteed Rates” On Fixed Annuities?

June 24, 2021/in Annuities, Retirement Planning/by Jerry Yu

“You’ve probably run across at least one of those “too good to be true” annuity ads. But, what’s the real story behind those 7% rate promises?”- Jerry Yu Chasing after anything that promises a decent return is understandable. In an economy where interest rates have been held tightly in check by the Federal Reserve for […]

What are “floating rate” bond funds and are they better than fixed annuities?

June 2, 2021/in Annuities, Bonds, Estate Planning, Retirement Planning/by Jerry Yu

“However attractive floating bond funds appear, investors must be diligent to weigh the risks, research the holdings inside the fund, and consult their financial advisory team to ensure alignment with their overall financial goals.”- Jerry Yu With their lower sensitivity to interest rate changes and the ability to reflect current interest rates, floating rate funds […]

Will President Biden’s Capital Gains Tax Increase Mean You Should Head For The Exit?

April 13, 2021/in Investing, Retirement Planning/by Jerry Yu

“As a new administration shifts into high gear, many people think about how Biden’s tax reform proposals will affect them. People nearing retirement age and attempting to play “catch-up” with their savings are especially concerned about imminent tax increases’ impact on their retirement planning.”- Jerry Yu. For as long as taxes have been around, they […]

Some Key Points Of President Biden’s Tax Plan

February 22, 2021/in Annuities, Bonds, Estate Planning, Investing, Retirement Planning/by Jerry Yu

“By focusing on low and middle-income earners, Joe Biden hopes to stimulate a pandemic-ravaged economy. The impact could be significant for higher net worth individuals and corporations.”- Jerry Yu. Now that both the House and Senate are in the hands of Democrats, it is likely that President will get more of his tax proposals through […]

Most Seniors Will Need Additional Income Streams In Retirement

January 11, 2021/in Annuities, Estate Planning, Investing, Retirement Planning, Social Security/by Jerry Yu

One of the most common concerns expressed by retirees in financial planning sessions is the fear of running out of money in retirement. As you near the time when you are no longer in the workforce, you might worry about whether your savings will be enough to sustain you once you stop working. The possibility […]

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