Learn tips and tools to increase savings, balance risk & return, and maximize your retirement savings.

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

"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 [...]

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

Successful Retirement Requires A Shift In Your Thinking

"The safety, security, and preservation of your assets is the primary focus of the distribution phase of retirement. If you lose the money you've saved, how can you possibly create income streams?"- Diane Marra One of the reasons I wrote my book, "Retirement Planning Made Easy," is to help people wrap their heads around the [...]

By |2021-10-27T18:19:23+00:00November 10th, 2021|Retirement Planning|

Is the “4% Rule” the Gospel truth or wishful thinking?

After running multiple scenarios against actual financial market returns and inflation rates between 1926 and 1992, personal finance guru William Bengen articulated the well-known "4% Rule". Bengen was surprised to discover that, despite stock market crashes and economic downturns, portfolios with 50% equities and 50% bonds did not typically run out of money for 30 [...]

By |2021-11-20T01:34:41+00:00November 3rd, 2021|Annuities, Retirement Planning|

Why Patience May Pay Off For Federal Employees Under The FERS Program

If you are a federal employee under the Federal Employees Retirement System (FERS), then you have many crucial decisions to make when the time comes to retire. The decision of when to take Social Security, for which FERS employees qualify and pay, is probably one of the most challenging retirement decisions you'll make. If you're [...]

By |2021-10-26T17:22:12+00:00November 1st, 2021|Financial Planning, Retirement Planning|

Get More Retirement Confidence By Adding An Annuity To Your Portfolio

“Modern retirement, with its volatility and unpredictability, requires the use of multiple retirement income tools including annuities.”  Jim Fish Adjusting to life without regular paychecks is challenging and stressful for many retirees. Maintaining even a modest lifestyle and addressing rising medical costs requires foresight, planning, and strategic execution. Modern retirement, with its volatility and unpredictability, [...]

By |2021-10-28T18:15:02+00:00October 28th, 2021|Annuities, Insurance, Retirement Planning|

Why Your Financial Advisor Should Be A Fiduciary

“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 [...]

By |2021-10-28T18:14:46+00:00October 28th, 2021|Insurance, Retirement Planning|

Is Too Much “De-Risking” A Good Idea?

"If you are thinking about rolling your 401k into an IRA, you may believe that you should strip all the risk out of your investment matrix by reducing the number of equities in your portfolios. But, is this the optimum strategy in 2021?"  Brian Swerdlow According to research from JP Morgan, a majority of retirees, [...]

By |2021-10-28T17:46:51+00:00October 28th, 2021|401(k) Rollovers, Retirement Planning|

Don’t Be Frightened, Be Prepared

This Sunday you’re bound to see plenty of ghouls and goblins roaming about town, it’s Halloween, the “scariest” day of the year. There are, however, more frightening days ahead, especially for those who are nearing or of retirement age. Social Security funds in jeopardy, a global pandemic, increasing health care costs and an aging population [...]

By |2021-10-28T17:33:26+00:00October 28th, 2021|Insurance, Retirement Planning, Social Security|

How Much Of Your Retirement Can You Spend? The Rules Are Changing.

"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." Douglas Hermann A persistent concern of those at or near [...]

By |2021-10-27T18:25:57+00:00October 27th, 2021|Retirement Planning|