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

There Are Fees And Then There Are Fees

I believe in full transparency when presenting solutions to my clients for their goals and needs. There is no one perfect product for everyone, and so we need to do a complete fact-finder to find the right product to satisfy the situation. Sometimes there is no solution that I can offer, and I will state [...]

By |2019-11-18T15:00:55+00:00November 18th, 2019|Annuities, Retirement Planning|

Self Directed Individual Retirement Accounts IRA

Learn the benefits and the downside of directing your own IRA Even many of the more sophisticated, adventurous investors among us know little to nothing about Self-Directed IRAs (SDIRAs). These alternatives to traditional IRAs offer knowledgeable investors the opportunity to customize an exclusive IRA account with a diverse array of products not commonly available in [...]

By |2019-11-12T18:29:32+00:00November 12th, 2019|Retirement Planning|

These Annuities Can Give You A Little Extra TLC

Planning for annual expenses is only part of what it takes to create a more prosperous and happy post-career life. It's also crucial to consider the costs associated with age-related loss of independence. Chronic illnesses, accidents, and injuries can happen throughout a person's lifetime. These occurrences are especially impactful in the later years and often [...]

By |2020-01-09T22:17:42+00:00October 18th, 2019|Retirement Planning|

7 Things You Must Know About Claiming Social Security

Social Security is a great program, but knowing when and how to claim your benefits can determine how much you collect. Here are seven potential problems you need to consider so you can maximize your Social Security income. 1: Remarrying Before Age 60 If your spouse dies, you will be entitled, in most situations, to [...]

By |2020-01-09T22:19:41+00:00October 16th, 2019|Retirement Planning|

The Black Swan And Retirement

What is a “Black Swan” event and how could it affect your retirement plans?   "Go ask your portfolio manager for his definition of "risk," and the odds are that he will supply you with a measure that excludes the possibility of the Black Swan-hence one that has no better predictive value for assessing the [...]

By |2019-10-18T16:00:35+00:00October 14th, 2019|Retirement Planning|

The Wisdom Of Planning For Possible Illness

How Medicare Supplemental And Long Term Care Planning Can Make All The Difference In Your Life When people enter their Golden Years, many transition from an employer-sponsored health plan to Medicare with confusion. The importance of adding an effective Medicare supplemental policy, and also considering adding plans to cover long term care expenses cannot be [...]

By |2020-01-09T22:23:07+00:00October 14th, 2019|Retirement Planning|

Fear And Ignorance In Retirement Planning

A recent report from the American College illustrates the lack of information and knowledge most Americans have when it comes to their financial lives. This can become a significant problem for those working towards a retirement that has enough funds to make the “golden” years “golden.” The simple fact that so many Americans are misinformed [...]

By |2020-01-09T22:24:33+00:00October 8th, 2019|Retirement Planning|

The Retirement Question

At a recent Social Security workshop, I presented I was asked the question on every baby-boomer’s mind these days. “What should I do with my retirement funds with all this volatility in the stock market?” The answer is not simple but is not as complicated as many would have you believe.  The question “assumes” a [...]

By |2020-01-09T22:28:26+00:00October 7th, 2019|Retirement Planning|

The Lizard Brain

"The lizard brain is … fighting for your survival. But, of course, survival and success are not the same things." - Seth Godin Neuroscience has demonstrated over the years that the human brain is hardwired for maximum complacency. It turns out we humans tend to freeze up when faced with important decisions, not because we [...]

By |2020-01-09T22:34:15+00:00October 3rd, 2019|Retirement Planning|

Help Your Surviving Wife Survive

Let me share something with you that’s been bothering me for many years. I’ve been working in the financial services and insurance industry for 21 years, but this experience I have goes back far beyond that. Back to when I was in my 30s. This message is intended for men, but ladies, I hope you [...]

By |2020-01-09T22:36:26+00:00September 30th, 2019|Retirement Planning|