“It’s easy to want to panic when you’re looking into a recessionary abyss. Having a long-term mindset can help, even if you are only a few years away from retirement.” Paul Hubbard III As I write this, the stock market is convulsing, as markets tend to do. Many of my clients, especially those nearing retirement, […]
“Some experts tout brokerage accounts as a more efficient retirement vehicle than annuities? Paul Hubbard III If you have a fixed annuity or are considering purchasing one, you probably know that these instruments have significant advantages for the safe money portion of your portfolio. However, many financial advisors steer their clients away from investigating fixed […]
“To ensure your wealth isn’t devastated by the unexpected, you need to design a comprehensive risk management blueprint.”- Paul Hubbard III Many types of risks threaten to erode your retirement and income accounts, including inflation risk, longevity risk, and taxes. There are also less apparent threats that may contribute to you running out of money […]
“Only a handful of private companies still provide pensions. Some of those companies now offer pension buyouts. If you are one of the ones fortunate enough to have a private pension and are offered a buyout, be sure to carefully consider every possible outcome. “- Paul Hubbard 21st Century retirement probably looks quite different than […]
“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 […]
Noticed or not, inflation is real, and it can vary widely based on an individual’s circumstances. What can a traditionally conservative investor do to make sure their FDIC insured Certificate of Deposit keeps up with or even beats the current inflation rate?
What kind of investor are you? A Bull, Bear, Pig, Chicken or something else…
Most people over 50 years old are aware of the penalty for withdrawing money from their retirement plans (401k or IRA) before age 59 ½. By doing so, the IRS would levy a 10% penalty for early withdrawal against the account holder. However, many of these same retirees and pre-retirees are unaware that at age […]
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