How To Design And Customize Your Retirement Asset Allocation Framework

The one-size-fits-all approach their advisor may have used during the accumulation phase just won’t work when it’s time to retire.-George Politarhos Generic, templated approaches to financial planning can work for some people during the “accumulation” phase of their financial lives. However, as a person gets within five to seven years of retirement, it becomes obvious [...]

What Is A Fiduciary And How Can One Ensure You Have The Best Possible Retirement Outcomes

If you have been looking for a financial advisor or retirement and income specialist recently, you may have run across the term "fiduciary." Fiduciary rules have been in the news lately due to some new Department of Labor (DOL)  rules which clarify which financial professionals are considered fiduciaries and which are not.  In June of [...]

Should You Consider Moving When You Retire

"Some retirees find they can add 6-8 years to their retirements by moving. But there are lots of things to consider before doing so."-Dana Trenchfield It's common for seniors who want to remain in their hometowns to trade their large homes for smaller, less expensive ones. Most retirees enjoy being in a familiar environment and [...]

What Is A Multi-Year Guaranteed Annuity And Why Should You Care

While no single financial product can meet the financial needs of every retiree, annuity products have evolved to earn a respectable place in many retirees' portfolios.- Randy Hux One of the easiest to understand products in the financial world is the multi-year guaranteed annuity or MYGA. A MYGA is a fixed-rate insurance product that allows [...]

What Is An Annuity Laddering

What Is An "Annuity Laddering" And How Can It Work For You "A desire to preserve cash savings and turn that money into lifetime income is a primary reason some people decide to purchase annuity products. "Laddering" can help these products work even more efficiently."- Jerry Yu It's genuinely shocking when I run across people [...]

The Elusive Market Sidewinder Hidden But In Plain Sight

Like the elusiveSidewinder Snake, the elusive “Market Sidewinder” buries itself in the sand of financial data we take in, staying calm and waiting for the right opportunity to reach out and bite us. The Sidewinder Snake is unique, able to travel sideways speedily at 18 mph across the sand. His method for getting his next meal [...]

Why You Need To Add A Retirement And Income Specialist To Your Money Team

"Being a "jack of all trades" may not be an ideal qualification for your financial advisor."- George Politarhos Building a financial advisory group consisting of qualified and trusted experts is an effective way to ensure your wealth is maximized and protected. Just as the medical world has specialists trained in the nuances of a particular [...]

By |2020-08-14T16:36:47+00:00August 14th, 2020|Retirement Planning|

The Long Hot COVID 19 Summer

It's only been eighteen days since my last article. Still, answers in our financial game of life seem to escape us like a high fly baseball hit so hard and high and seemingly suspended like a cloud, slowly..... Falling down out of the air, changing course as the baseball falls back down and many are [...]

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|