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The Benefits of Annuities

The tides have changed with Retirement Advisors and their attitudes towards annuities. For years, advisors talked their clients out of annuities because of potential high fees, restrictions on distributions and that they were just too complex for the average person to understand. Now that longevity is a reality for many retirees and they are dangerously  Full Article…


Income Guaranteed for Life?

In today’s retirement world the old rules of thumb like the 4% rule, where you can withdraw up to 4% of your portfolio as income annually and avoid burning through your assets are out the window.  A recent article picked up by Yahoo Finance highlights this point.  The article talks about how since 2008 the  Full Article…


Building Retirement Income for Life

 A recent article from US & World Report discusses the way to plan for income in retirement.  Once you have properly prepared for your retirement, meaning you have evaluated your savings, your expenses, and your needed income you are ready to get your plan on track.  The key is to align your guaranteed income level  Full Article…


Retiring on CDs is Not Even an Option

With the current low CD rates and the extremely low rates on other savings tools, many retirees could find themselves running out of money before they run out of time.  The fear of running out of money in retirement is the number 1 fear of most retirees.     Recent studies have found that the  Full Article…


5 of the worst things to do with your money

A recent article by Lisa Scherzer, of the Exchange on Yahoo finance, highlights 5 key mistakes to avoid making with your money.  She talks about how these mistakes can be made everywhere along the budget line, at grocery stores, the bank, the housing market, the stock market, even family expenses like allowances for children supplementing  Full Article…


Are we all Closet Indexers Now?

We are all Keynesians now is a phrase attributed to Richard Nixon as he embarked on a massive increase in public spending prior to being shamed out of office in 1974.  Nixon is more remembered for the travesty of Watergate, ending the Vietnam War, and opening the door to China (which will probably surpass the  Full Article…