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 [...]

 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 [...]

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 [...]

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 [...]

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 [...]

Afraid you will run out of money in your 90’s?   Don’t be, take action now to ensure you will have an income stream you cannot outlive.  By sitting down with a retirement income specialist who can evaluate your retirement needs you will be able to develop a strategy to replace your fears.  Utilizing immediate [...]

They say there is a coffee shop on Wall Street  serving a Stock Market Breakfast-scrambled nest eggs. With millions of aging baby boomers continuing to work past normal retirement age, many clients are wondering if there is anything they can do to reduce income taxes on social security benefits. Annuities are one way to access [...]

Those that call the most recent run of 125% for the S&P 500 and see the stock market as a leading indicator are letting the lessons of history and rose colored glasses muddle mucky waters as the Fed Fest continues with sunny funny money and stagnant wage growth prophetically telling the truth. Sir Francis Bacon [...]

Every investor is searching for that silver bullet investment.  No risk, make 20% a year, sell it tomorrow with zero tax implications.  But as we all know, that does not exist.  The same is true for retirement planning.  In a perfect world, we would all be handed a retirement plan with our Social Security card [...]

Apparently, prospects, clients and advisers are turning away from commuting without any sacrifice in productivity in record numbers, according to Senior Market Adviser.  Many advisers love taking ego trips to a mahogany laden office but the luggage they carry may be costing them greatly in terms of client face-to-face time and prospecting efforts.  Though having [...]