Our Retirement Blog

Fourth Quarter Client Letter

January 9, 2018 Dear Client, Happy New Year! My goodness, what a happy “old” year it was! Stocks were up sharply both here and abroad, real estate and commodity securities turned in soundly positive numbers, even bonds had a positive (albeit modest) year. This was one of those years when… ...

Helpful Information For Market Conditions and New Year

Greetings! I hope and trust that this finds you well and enjoying life. I’ve found that as a financial planner I wear a lot of different hats. So I’m going to take the timely opportunity to ask you how you are coming along with your new years’ resolutions. I want… ...

Merry Christmas

Greetings. I trust that this will find you well and in good spirits! Christmas, what a wonderful time of the year! Family is so important to Christmas. I hope you have an opportunity to experience your loved ones at this time of the year and become renewed through it. Giving… ...

Year End Charitable Giving

Greetings! I trust that this will find you well and enjoying life. With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to… ...

A Quality of Life Discussion is Critical

Greetings! I trust that this finds you well and enjoying life. To live well in retirement, you have to embrace change and longevity planning. As you get older your circumstances will continue to change, sometimes rapidly. What doesn’t change is your desire to be independent, to have social connections that… ...

The Power of a Written Plan

Greetings! I trust that this will find you well and enjoying life. Business owners and CEO’s have written business plans. Ship captains chart their courses on nautical maps and doctors have written treatment plans for their patients. What these and most successful people all have in common is that they have written… ...

Happy Thanksgiving

Greetings! I hope that this finds you well and happy. Let’s all thank God for our liberty and the opportunities we have as Americans. I am thankful for you my friends and my clients. I hope that you have a wonderful Thanksgiving day. Jeff ...

Here’s Reality

Greetings! I hope that this finds you well and enjoying life. The stock market is on a historic tear and continues to break records. As investors we wonder is there no end in sight to these gains? Indicators are favorable with few headwinds at present. Corporate earnings are up and… ...

Examining Withdrawal Rates

Greetings! I trust that this will find you well and enjoying life. During your working years, you’ve set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing… ...

Common Factors Affecting Retirement Income

Greetings! I trust that you are well and enjoying life. When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be impacted by… ...

Have You Checked Your Retirement Plan Lately?

Greetings! I trust that you are well and enjoying life. Have you checked your retirement plan lately? It’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within… ...

Reaching Retirement: Now What?

Greetings! I trust that you are well and enjoying life. You’ve worked hard your whole life anticipating the day you could finally retire. Well, that day has arrived! But with it comes the realization that you’ll need to carefully manage your assets so that your retirement savings will last. Traditional… ...

Charitable Contributions from IRAs

Greetings! I trust that you are well and enjoying life. Last week I wrote to you about a value-added tax, the solution to the mess of an income tax system we experience in the U.S. I doubt Congress will pursue it, it makes too much sense. However, there are still… ...

Here’s the Solution

Greetings! I trust that you are well and enjoying life. So much hope has been placed on the Trump administration and our leaders in Washington regarding stimulating the economy and improving the financial well-being of America! The biggest effect Trump can have by far on our financial future that could… ...

10 Years and Counting: Points to Consider as You Approach Retirement

Greetings! I hope this finds you well and enjoying life. If you’re a decade or so away from retirement you’ve probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend… ...

Reverse Mortgages

Greetings! I hope this finds you well and enjoying life. Last week I had two clients to ask about reverse mortgages and it happens more and more frequently. In the last five years or so banks have taken steps to make them more attractive. I located the following information and… ...

What is a Qualifying Longevity Annuity Contract (QLAC)?

Greetings! I hope this finds you well and enjoying life. I’ve been getting a lot of questions about the Treasury Department’s recent regulations that create a new type of annuity in the tax law called “Qualifying Longevity Annuity Contracts” (QLACs). This isn’t really a new type of annuity. This is… ...

The Future of Social Security

Greetings! I hope this finds you well and enjoying life. I get a lot of questions from clients about the future of Social Security. It’s wise to stay on top of what’s going on with it. Every year, the Trustees of the Social Security and Medicare Trust Funds release reports… ...

Leaving It All Behind

Greetings! I hope that this finds you well and enjoying life. When developing your estate plan, you can do well by doing good. Leaving money to charity rewards you in many ways. It gives you a sense of personal satisfaction, and it can save you money in estate taxes. I… ...

Saving for Retirement and a Child’s Education at the Same Time

Greeting! I hope that this finds you well and enjoying life. You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement and your child’s education at the… ...