“If you have 401k, your investment choices are limited. Depending on your situation, an IRA could be a better choice.” Jerry Yu Many people at or near retirement age have money in 401k plans, and the number of people participating in those plans has increased over the last few years. 401ks have numerous benefits and […]
“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 […]
“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, […]
“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 […]
“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 […]
“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 […]
“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 […]
“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 […]
“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 […]
“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 […]
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