Blog Posts

  • Never Co-Sign Your Retirement Away

    April 2, 2012
    There is a new retirement reality for those that are in their mid-50s or older. For these people, who are trying to save aggressively, or even retire, the topic of having children move back home is a touchy one. As parents, we all want to help our kids in ...
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  • A Retirement Decumulation Journey―Delay Retirement

    March 26, 2012
    While the economy is picking up somewhat, there are plenty of people who are still debating when they can retire. Based on the market returns of the last decade, many retirement plans are on hold. With those returns there are a few drivers in a retirement plan that should be ...
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  • Uh Oh―A Roth Recharacterization Tip

    March 19, 2012
    Plenty has been written over the past few years about Roth IRA conversions. But less has been written about the recharacterization process, so mistakes can be made. There is a specific scenario that everyone should understand if you are going to recharacterize a Roth (recharacterizing involves converting a Roth back ...
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  • A Retirement Decumulation Journey―The Pie

    March 12, 2012
    In my last post, I talked about how to assess some of the bigger strategy issues around using annuities for your retirement plan. In the end, the issue of longevity (living a long time in retirement) needs to be addressed, along with the issue of ceding some control of your ...
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  • A Retirement Decumulation Journey: Annuities 101

    March 5, 2012
    When I got into the financial services industry in 1994, I focused on helping people save money―accumulation planning. But as people shift from accumulating assets to distributing (spending) those assets the decumulation phase of life begins and brings with it a whole new host of issues to deal with. One ...
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  • The Retirement Age Myth: The Truth Behind Age 65

    February 27, 2012
    I have had more discussions lately that are anchored on a number: 65. As people start thinking about retirement, no matter what their age, they inherently start with the number 65 in their head and then talk about retiring earlier or later than that. But who is the grand master ...
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  • Four Great Retirement Reads

    February 20, 2012
    You are what you read. I have heard many times that you can tell how someone’s life is going based on what they are reading. In my world I see that clearer than ever. Some people only read financial and retirement books by the “doom and gloom” prognosticators and they ...
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