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

Will Inflation Kill Your Retirement

A few years ago, the Secure Retirement Institute developed a model designed to drive home an important but often overlooked fact: Inflation is a real danger to those nearing or in retirement, perhaps the greatest threat of all. The Secure Retirement Model showed what inflation could do to the average Social Security benefit during a [...]

By |2020-05-20T20:33:45+00:00May 20th, 2020|Retirement Planning|

Helping Baby Boomers Plan For A Successful Retirement

Whether it is the result of poor planning, bad advice or plunging markets, retirement losses can be a deadly poison. Many retirees and pre-retirees have saved enough to win the “retirement game,” but they continue to risk “losing their retirement” by owning risky investments. It is wise for those preparing for retirement or recently retired to set aside enough money in safe places to pay for a guaranteed lifetime income plan. My planning will take you through all the current and future considerations necessary to determine the risk-free amount needed to safeguard your guaranteed retirement income.

By |2020-05-20T21:31:56+00:00May 19th, 2020|Retirement Planning|

Different Stages In Life Requires Different Advice

If you are nearing retirement or already retired, are you still getting the same advice from your financial advisor? Is this the advisor you have had for the last 10, 15, or even 20 years or longer? Has he or she adjusted your portfolio to protect your hard-earned money against any sudden downturn in the [...]

Annuities Have Surrender Penalties And That Is A Good Benefit

Annuity contracts allow for 10% of the account value to be withdrawn annually, this can be done all at one or more than once. If an annuity is used as an income stream, surrender penalties are waived. In the event of death almost always surrender penalties are waived for the beneficiary. In addition, most contracts allow for access to the account funds in the event of long term illness or terminal illness.

By |2020-05-13T16:59:13+00:00May 13th, 2020|Annuities, Retirement Planning|

Coronavirus Has Exposed Retirement Financial Land Mines

If you're like most people, you are somewhat, if not entirely, burned out on the whole coronavirus situation. It's understandable given the tsunami of confusing information directed at us over the past few weeks. However, I advise you not to allow burnout to keep you from taking a closer look at how your finances fared [...]

By |2020-04-29T22:26:47+00:00April 29th, 2020|Retirement Planning|

What Are Your Essential Life Decisions?

Through the years, I’ve helped many people plan for retirement. By necessity, many of the conversations revolve around money. How much are your necessary expenses? What are your sources of income? What future costs do you anticipate? Can you afford to stay in your home? What happens when one spouse dies? Do you want to [...]

Volatility, Information, The Stock Market and Annuities

Volatility is what drives the stock market, it changes. As it changes, opportunities exist to make money whether betting on a movement up or a movement down of the market. All that is needed to make the stock market work is volatility and what drives volatility? Information.

By |2020-04-15T21:01:53+00:00March 23rd, 2020|Annuities, Retirement Planning|