“If you are a federal or state employee planning to retire in the next year, you should waste zero time planning your exit.”- George Politarhos If you are like most federal employees under the Federal Employees Retirement System (FERS), you have numerous things to consider. Many Federal, State, and local employee programs complicate retirement planning […]
2020 was a year notable for a series of disruptive economic events, dramatic shifts in the way Americans work, and renewed interest in alternative markets, especially those embracing change to maintain relevance. The year began smoothly enough as many asset classes and indices experienced growth from the beginning of the year until around the middle […]
“Rising unemployment has serious implications, even for those already retired.” Robert Cannon. As the country emerges from COVID-19-related lockdowns, we are beginning to see more of the economic aftermath, particularly in the form of unemployment. When you are already retired or are close to retirement, it’s tempting to feel somewhat insulated from the effects of […]
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 […]
“Knowing who you concern money is a critical component of becoming more successful in life.”- Angie Politarhos. Attributed variously to Plato, Socrates, or Aeschylus, the saying, “Know thyself,” has popped up in self-help books for hundreds of years. When applied to a person’s finances, “Know thyself” has an intrinsic self-help appeal. I mean, after all, […]
“Building an expert team to guide you through the often bewildering and frustrating financial landscape is a crucial task if you are a pre-retiree or already retired.”-Eric Coons “Do-it-yourself” retirement planning is certainly possible, even if it’s probably not a great idea. The current IRS tax code, for example, is around 2,600 pages long. Then […]
If you’re like most people within 5-7 years of retirement, you’re concerned about having your life’s savings eaten away by everything from stock market downturns to inflation to increasing taxes. Every day, I get questions from concerned business owners, entrepreneurs, and investors just like you. These are often people with asset portfolios decimated by […]
“Happily ever after” is typically the ending to a fairy tale. But it’s more than that. It’s also the way we want to retire. What does it take to have a long and happy retirement? This has been the subject of study by Ph.D.’s in countries around the world. Before I go on, how would […]
Are you a woman who tosses and turns at night, worrying about money? Insurer Allianz surveyed women in 2019 found that 67% of female survey respondents reported worrying about their current financial situation versus 57% of males interviewed. Nearly 40% of women surveyed reported thinking about money on a daily or least weekly basis. A […]
“Going into 2021, retirees should understand that investment-only retirement income plans are not as efficient and profitable as integrated plans that include transfer of risk through life insurance and income annuities.” Jerry Yu For the first time in a while, Americans are less concerned about how the presidential race outcome will shape the future economy […]
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