Optimize Retirement Cash Flow, Not Social Security

Optimize Retirement Cash Flow, Not Social Security

Social Security is a beautiful thing. What other lifetime fixed income annuity allows you to choose a starting age anywhere between 62 and 70, increases your lifetime income by 6% per year for each year that you defer your start date between 62 and full retirement age, or FRA, (66 to 67 depending upon year… Continue Reading

Period Certain is Cheap Insurance on SPIAs and DIAs

Period Certain is Cheap Insurance on SPIAs and DIAs

Single premium immediate annuities (SPIAs) and deferred income annuities (DIAs) are often used to provide sustainable lifetime income to replace a portion of employment income in retirement.  Both are tax-favored when nonretirement funds are used to purchase them since a portion of each income payment is a nontaxable return of principal. The primary difference between… Continue Reading

Hedge Against Longevity with a Roth IRA Strategy

Hedge Against Longevity with a Roth IRA Strategy

The title of my most recent MarketWatch RetireMentors article that was published on June 6th is 5 Reasons to Include Sustainable Income in Your Retirement Plan. Reason #1 is hedge against longevity. Although sustainable, or predictable, income from Social Security, pensions, and fixed income annuities provide lifetime income that can build a solid floor for… Continue Reading

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