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Blog Posts

  • 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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  • Self-Directed IRAs—A Retirement Tool, or a Retirement Time Bomb?

    January 30, 2012
    Last week the Minneapolis paper, StarTribune, had an article about a local man who lost some of his retirement money in a self-directed IRA to a Ponzi scheme. There may be more variables to this story, but it highlighted the flexibility of the self-directed IRA; and with flexibility comes ...
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  • Retirement Expenses Matter, Especially in Mutual Funds

    January 23, 2012
    I saw a cool graphic the other day from the U.S. Energy Information Administration. It showed a gasoline pump broken into pieces to represent where the costs are in a gallon of gas. While 77% of the cost is crude oil itself, the rest were taxes and marketing. It got ...
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