Latest articles by Jerry Golden, Investment Adviser Representative
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Can Your Retirement Income Plan Cover Unplanned Expenses?
Let’s take a close look at ways to create the liquidity necessary in your income plan to cover big-ticket items later in retirement, such as long-term care.
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Insuring Your Plan for Retirement Income
‘Longevity insurance’ ensures you don’t run out of money in retirement. How to figure out how much you need, the types of annuities to use and when the income should kick in are tricky questions, though.
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Are You Worried About Running Out of Money in Retirement?
Planning that integrates income annuities can help alleviate the No. 1 fear of retirees, even in worst-case investment scenarios and when living way beyond your life expectancy.
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To Create a Better Plan for Retirement Income, Start Earlier
Let’s explore how to figure out how much income your savings can generate at retirement and how to build a better plan when retirement is five or 10 years away.
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Don’t Hand Your Retirement Income Planning Over to AI Just Yet
Some are saying artificial intelligence can replace human financial advisers, but even ChatGPT recognizes the value of experience, judgment and a beating heart.
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How to Fix Social Security and What to Do While We Wait
Here are four proposals to modify the Social Security program and to ensure the program keeps going strong for future retirees.
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Why So Many Experts Consider Annuities a Win for Retirees
Rising interest rates, pressure on Social Security, unpredictable markets and longevity risks are making annuities ever more attractive as a part of retirement planning.
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Curious About a QLAC? SECURE 2.0 Act Gives This Annuity a Boost
New legislation raises the amount you can transfer from your rollover IRA to a qualifying longevity annuity contract (QLAC), reducing RMDs and increasing guaranteed lifetime income.
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Even After a Year Like 2022, Your Retirement Income Plan Can Stay on Course
Predictions about what the markets will do or how the economy will perform are often wrong. That’s why it’s better to “prepare” rather than “predict,” and that requires establishing some basic assumptions.
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Doing Your Retirement Income Planning in the Right Order Matters
A strong retirement income strategy considers many factors, including the retiree’s unique financial resources and needs. How and when you tackle them is critical.
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Finding Peace of Mind With Your Retirement Income
Even in tough times, you can secure retirement income that lets you maintain your lifestyle, lasts a lifetime, adjusts for life events and leaves a legacy for the kids.
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Become Your Own Pension Manager
annuities To build your own pension, follow the playbook that corporate pension managers use.
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Retirement Income Plan – Better Than a Pension?
annuities A pension’s security is reassuring, but there are some advantages to creating your own plan for retirement income using income allocation planning instead of relying on your employer to provide a major source of your income during retirement.
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How Much More Retirement Income Can You Get?
Each investor is unique, so the answer to that isn't as simple as it sounds. Let's take a look at a few different scenarios to see the outcomes.
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Retirement Planning: One Size Doesn’t Fit All
For the most important financial decision of your life, you need a plan that’s tailored especially for you, rather than simply following rules of thumb.
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Investing for Retirement Income Is Different – Rethink 60/40 Rule
retirement planning Investors saving for retirement are familiar with the 60/40 rule, concerning stocks and bonds. But for retirees, a different kind of 60/40 rule applies – one designed to deliver lifetime income.
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Has Bad Economic News in 2022 Hurt Your Retirement Plans?
retirement How the right plan now can get you back on track and reduce the risk going forward.
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For Sustainable Retirement Income, You Need These Five Building Blocks
retirement planning Combining elements that you understand is the smartest way to create a secure retirement.
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Don’t Move to Another State Just to Reduce Your Taxes
retirement If you’re retired or near retirement, maybe a smarter plan for retirement income will allow you to stay put. Yes, your state income tax rate may be higher, but your spendable income will be, too.
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Choppy Market Impacting Your Retirement Income Plan?
retirement planning Find calmer seas with a retirement plan that includes safe income and eliminates the sour stomach that comes with market corrections.
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Fed Is Raising Interest Rates. How Do Retirees Benefit?
annuities Some sectors of the population may feel the pain of interest rate hikes, while current retirees, and those near retirement, could actually benefit.
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Annuity Payments Don’t Make Your Retirement: They Make It Better
annuities Answers to frequently asked questions about how annuities work, what they can do for retirees, how they are taxed and how inflation affects them.
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Factoring Inflation Into Your Retirement Plan
retirement planning How much should you be worried about inflation’s impact on your retirement income plan? If you plan right, you shouldn’t have to worry at all.
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What’s Your Retirement Number? Don’t Just Go by the 4% Rule
retirement planning To help make sure your retirement income covers your needs and lasts for a lifetime, you need a custom plan. The 4% rule of thumb is a handy starting point, but it’s too general. Get specific to find your very own retirement number.
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