Category Archives: Retirement Income Planning

Uneasy About the “A” Word? You’re Not Alone

Uneasy About the “A” Word? You’re Not Alone

When presented in the context of retirement income planning, fixed income annuities have proven to be the most appropriate and natural commercial solution for providing sustainable lifetime income.

Roth Solo 401(k) Makes More Sense Than Ever

Roth Solo 401(k) Makes More Sense Than Ever

Lower tax rates under the new income tax law, combined with the likelihood of higher tax rates in the future, support a Roth solo 401(k) contribution strategy.

Leverage Your Assets for Retirement

Leverage Your Assets for Retirement

When you buy a house, typical financing is a mortgage equal to 80% of the purchase price. This enables you to purchase a much more expensive home than you would otherwise be able to do without the mortgage. The goal is to increase your equity in the property over time through a combination of paying down the mortgage and appreciation.

Which Investments Do You Recommend?

Which Investments Do You Recommend?

The process I use to assist clients with preparing for the financial and personal challenges associated with retirement extends well beyond simply recommending investments. It’s about them.

Why Aren’t You Retired?

Why Aren’t You Retired?

While you may be financially prepared to retire, your ability to successfully transition from the workplace to retirement will be dependent upon planning for three important nonfinancial factors.

Do You Have Enough After-Tax Income to Retire?

Do You Have Enough After-Tax Income to Retire?

I recently did a Google search, “How much do I need to retire?” This is obviously a popular query since it returned 19,600,000 results. After scrolling past the ads, I began clicking on the responses. Excluding retirement calculators, here’s a summary of the top five answers: Yahoo Answers – Best Answer: $750,000 Fidelity: Save at…

A 401(k) Plan Isn’t a Pension Plan

A 401(k) Plan Isn’t a Pension Plan

Although 401(k) and pension plans are retirement plans, only a pension plan is designed to provide a known monthly income stream which is generally payable for life.

Volatility ETFs are Too Volatile

Volatility ETFs are Too Volatile

Investment in a volatility ETF is a market timing play that’s unsuitable as an investment strategy for most individuals planning for retirement or who are already retired.

Life Expectancy:  Err on the Optimistic Side

Life Expectancy: Err on the Optimistic Side

If you rely on life expectancy as the basis for all of your retirement planning decisions, there’s a 50% chance that you’re projected to outlive your assets.

6 Deficiencies of 401(k) Plans

6 Deficiencies of 401(k) Plans

There are six deficiencies of 401(k) plans compared to defined benefit pension plans that transfer the retirement accumulation and retirement income planning responsibilities from employers to employees.

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