Latest articles by Jerry Golden, Investment Adviser Representative
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A Different Way to Approach Your Mortgage in Retirement
Conventional wisdom says don't carry any mortgage into retirement, and if you can manage that debt-free feat, good for you. But there are other options.
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How 'Home-Based Planning' Can Address Long-Term Care Costs
Traditional planning for the cost of long-term care doesn't reflect the realities of what the costs are and how they'll be paid.
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Transform Your Retirement Plan With This Powerful Combo
If you're a retiree looking for the trifecta of income, liquidity and legacy in your retirement plan, consider combining a QLAC and an HECM.
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Things Change: Is It Time to Update Your Retirement Plan?
Here’s how to go about updating your retirement plan, including adding important elements, to ensure it meets all of your retirement objectives.
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Annuities and Tax Planning Boost Retirement Income and More
Smart planning takes advantage of the tax benefits of lifetime income protection through annuities. But wait — there’s more.
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How to Add Home Equity to Your Retirement Income Planning
Home equity is sometimes overlooked as a viable resource in retirement. You don’t have to sell your home to find income and liquidity.
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The (R)evolution of Retirement Income Planning
With AI on the horizon to enable the optimization of retirement income plan choices, the retirement fortunes of retirees are about to improve.
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Is Your Retirement Solution Hiding in Plain Sight?
Here’s how to use your home equity in combination with an annuity contract to produce late-in-life income.
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How to Cut Your Taxes as Short-Term Interest Rates Come Down
Using after-tax savings to buy an immediate annuity could shift your taxes on income to later years, when you might have expenses that can offset higher taxes.
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How Your Home Can Fill Gaps in Your Retirement Plan
If you have gaps in your plan for retirement income, you might consider adding the value of your home to your planning.
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For Longevity Protection, Consider a QLAC
A qualifying longevity annuity contract, or QLAC, can help you define a better retirement for yourself by providing guaranteed lifetime income.
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A Challenging Retirement Plan Mission: Not Impossible
A reader makes a request that at first appears not achievable, but with some maneuvering of the retirement income plan building blocks, we find it can work.
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How a Fixed Index Annuity Can Manage Retirement Income Risks
Good retirement income planning involves adjusting to circumstances and evaluating innovative products. Consider an FIA to manage downside risk.
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Retirees: Worry Less About Markets, Long-Term Care and Taxes
Unexpected events can upset the best-laid retirement income plans. These 2024 retirement planning updates are designed to roll with the changes more easily.
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How You Might Need to Adjust Your Retirement Plan in 2024
Here are some of the challenges that could lie ahead this year, plus some suggestions for how you might deal with them to help secure your financial future.
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How Finances Can Improve for Retirees — and the Next Two Generations
Hypothetical retirees from 2017 are in much better financial shape today, thanks to annuities and higher interest rates. Their kids and grandkids stand to also reap the benefits.
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A Plateful of Financial Topics That Might Come up Over Turkey Dinner
From higher prices and mortgage rates to AI planning our retirements: These are some of the conversations you might have as multiple generations gather for the holiday.
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Annuity Payments Are 30% to 60% Higher: Time to Reconsider
When interest rates rise, so do payments on new annuity contracts. Maybe it’s time to take another look at how annuities can fit into your retirement income.
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Do Alternative Investments Belong in Your Retirement Plan?
There’s a lot of promotion of ’alternative investments’ these days, from gold to real estate and even to Bitcoin. Are you missing out?
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How to Get More Retirement Income From Your 401(k)
An integrated approach of investments and annuities could provide you with more retirement income in addition to protection against inflation and late-in-life expenses.
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Don’t Bet Your Retirement on Stocks: Follow These Four Tips
Keep a generous amount of your savings in the stock market, but make stocks only part of your retirement income plan to manage the risks.
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Do You Have Enough Income to Retire? That Is the Question
To be or not to be secure in retirement… Income planning is critical, and that means testing different strategies and products to get your best outcome.
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Remember: Retirement Accounts Are Not All Taxed the Same
How you handle your pre-tax and after-tax accounts can make a big difference in your income in retirement and the legacy you leave.
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Can AI Plan Your Retirement Better Than I Can?
Financial adviser Jerry Golden posed retirement planning questions to ChatGPT. The results? A good start that begs for human intervention (though it had some things to say about Jerry!).
