Our Retirement Blog

A Little Humor Never Hurts

Greetings! I trust that this will find you well and staying strong. I like you am confronted with a major dose of change and I must admit it’s taken me a little while to come around. Words and realities that are prominent right now for me are adjust, adapt and… ...

It Worked For Sheba

Greetings! I hope this finds you well in every way. Well, here we are a bit over a month in this new place in the market cycle. The Dow Industrials fell into a bear market on March 11 – defined as a decline of at least 20% – in 19… ...

Stay Calm and Seek Opportunity

Greetings! I hope that this finds you well and enjoying life! There’s no denying it, no way around it we’re in a period of heightened uncertainty. THE virus has us all on alert regarding health or finances. Smart thing to do now is to just slow down and adapt our… ...

This Market Volatility Isn’t Just From Corona Virus

Greetings! I hope this finds you well in every way. As if markets hadn’t produced enough volatility already in recent weeks, this morning’s initial drop of -7% triggered stock exchange circuit breakers—a computer system intended to temporarily stop trading activity, with the purpose of stopping a free fall in prices… ...

Don’t Fail To Read This Update

Greetings! I hope this finds you well in every way. I know that we are all highly tuned into the evolving Coronavirus (COVID-19) and let’s face it, fears over unpredictable rates of contagion and the impact on world-wide economic growth will continue to affect the market adversely until containment is… ...

Trimming Your Tax Bill In Retirement

Greetings! I hope that this finds you well and enjoying life. A tax dollar not paid is a dollar in your pocket. Here are some tips that may assist you in trimming your tax bill in retirement. Give yourself options with the types of investment retirement accounts you own. Having… ...

Taxation of Investments

Greetings! I trust that this will find you well and enjoying life. It’s that time of the year again and I’m not talking Mardi Gras, I’m talking tax time. On any investment that is positioned outside of a tax shelter like an IRA or annuity, you’re going to pay taxes… ...

It’s Complicated Money and Happiness

I trust that this will find you well and enjoying life. It’s complicated money and happiness. Does more wealth lead to happiness? Researchers have tackled this question for decades, and although the results have differed, one fact is certain: The relationship between money and happiness –or “well-being,” as many researchers… ...

The Top 5 Secrets of Successful Retirees

Greetings! I trust that this will find you well and enjoying life. I’ve spent countless hours analyzing the habits shared by successful retirees. Five stand out and I urge anyone serious about retirement to take these measures sooner rather than later. You Are Not the Family Bank All parents have… ...

Do You Know Where You Stand?

I trust that this will find you well and enjoying life. I have a question for you and I want an honest answer. Do you know where you stand financially at any given point in time? To be more specific, do you know within a few thousand dollars what your… ...

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… ...

The Transition Into Retirement

I trust that this will find you well and enjoying life. The transition into retirement, what is it? The transition into retirement is when you are changing from your full-time working years to your retirement years. If retirement is approaching, you may have to make numerous decisions. Can you afford… ...

Seven Common Retirement Mistakes Everyone Should Know About

Greetings! I trust that this finds you well and enjoying life. Here are seven common retirement mistakes everyone should know about. Investing during retirement as though you are still working. Not protecting yourself and your nest egg from significant market decisions. Not structuring your basic (non-discretionary) retirement income plan to… ...

A Tip On Controlling Your Destiny

Greetings! I trust that this will find you well and in good spirits. I can’t emphasize strongly enough the importance of you keeping up with current financial affairs to a certain degree. Over time by staying in tune with the ebb and flow of the economy and the markets, you… ...

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 ...

The Pros and Cons of Qualified Longevity Annuity Contracts

Greetings! I trust that this will find you well and enjoying life. As life expectancies increase, longevity risk–the risk of outliving retirement savings–is a concern for a growing number of people. In response, recent federal regulations created qualified longevity annuity contracts (QLACs), which are accessible through employer-sponsored plans, such as… ...

Manage Income Taxes on Your Investments in Retirement

Greetings! I trust that this finds you well and enjoying life. During your retirement years, it’s important to pay close attention to the income tax consequences of your investment decisions. If you receive a great deal of investment income when retired, for instance, the taxation of your Social Security benefits… ...

Minimizing Tax Liability

Greetings! I trust that this finds you well and enjoying life. Whether you’re already retired or knocking on the door, one way to potentially maximize your savings, investments and income is to minimize your tax liability. Tax-deferred vehicles are more tax-efficient since money can grow without the annual burden of… ...

It All Adds Up

Greetings! I trust that this finds you well and enjoying life. A common strategy to save for retirement is to allocate funds for a tax-deferred retirement account, such as traditional IRA, employer-sponsored 401 (k) or 403 (b) plan. However, one drawback to saving via these plans is that when you… ...

Continuing Care Retirement Communities May Be Resourceful

Greetings! I trust that this finds you well and enjoying life. CCRCs are retirement facilities that offer housing, meals, activities and health care to their residents. These communities appeal to people who are currently in good health, but who worry that they may need nursing care later on. The CCRC… ...