How much money can I afford to take from my portfolio, in order to last me through retirement?  This is a question retirees, baby boomers, and the senior market are faced with day in and out.  There was a great article on “Market Watch – The Wall Street Journal” today, written by Anne Tregesen that [...]

What do you picture retirement as – lounging on the beach, playing golf, or traveling the world? While none of these come cheap, they are attainable with proper budgeting.  Retiring isn’t the hard part, staying retired is.  Here are some questions to ask yourself to see if you are ready for retirement.   What do [...]

When planning for retirement, you literally can’t afford to mess up.  That is why you need to have the right information to make intelligent decisions that will not put your glory years in danger.   Here are five common myths that you might want to keep in mind when mapping out your financial future.   [...]

I read a looong article on Marketwatch today that broke down retirement into 4 boxes.  We hear about a 3 tiered strategy all the time, so i didn’t think too much of the 4 box idea until I read through the piece and decided to share some of the thoughts and spare you the longevity [...]

Watch this eye-opening video below to find out the real issues when you have too many older Americans and not enough babies to support them.    

For those of you that have read the excellent and eye-opening book called, “Savior Retirement”, then you already have a pretty good idea about the shortcomings of 401(k) plans.  Most notably that your 401(k) account will never be able to contractually guarantee a lifetime income stream.  What retirement product can produce contractually guaranteed lifetime income [...]

The answer is really up to you.  The following are factors a consumer needs to consider prior to making this decision.    Questions you need to consider are: When do I really think I’m going to retire? What additional retirement funds do I have in addition to this?   If you choose the lifetime income [...]

It an interesting play, Warren Buffet’s Berkshire Hathaway has made a bet against longevity by reinsuring potentially $4 billion of future claims for two of health insurer Cigna Corps run-off  variable annuity business.  Berkshire is officially reinsuring the GMIB (Guaranteed Minimum Income Benefit) and GMDB (Guaranteed Minimum Death Benefit).  The risk becomes if clients mortality [...]