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Blog Posts

  • 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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  • A Fundamental Step in Your Retirement Plan―An IPS

    February 13, 2012
    My father owned his own business―he was an electrician. He used to bring home blueprints of new projects from all over town that he would need to bid on. I was always amazed at these rolls of paper, mostly because he could look at one and know within minutes how ...
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  • A Can of Cat Food with Every 401(k)

    February 6, 2012
    “What if your 401(k) paperwork came with a tin of cat food―to remind you what you might be eating in old age if you don’t learn a bit more about investing?” That is the question posed by Stephen J. Dubner in the most recent Freakonomics podcast. He actually gets to ...
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