Blog Posts

  • Enough Annuities Already!

    August 1, 2008
    Whenever a bear market raises its ugly head, fear causes many to make decisions that have lasting ramifications. In the last year I am starting to see a lot of salesmen pushing a specific annuity as the answer to every fear about protecting retirement dollars, but understanding who the ...
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  • Social Security in a Bubble

    July 1, 2008
    Warren Buffet, in quoting Benjamin Graham, has the pithiest observations regarding the market. “In the short run, the market is a voting machine. In the long run, it’s a weighing machine.” Buffet points out the emotion involved in short-term thinking and the logic in long-term results. ...
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  • The Biggest Estate Planning Mistake

    June 1, 2008
    Based on my title this had better be one behemoth of a problem. In 2005 I wrote an article for the accounting firm’s newsletter titled Reflections of You (I have included it in this newsletter for your review) that delved into several creative ways to discuss estate plans with ...
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  • When To Take Social Security

    May 1, 2008
    In my line of work I occasionally have to think counter-intuitively since sometimes the quick answer is not always the right answer. Listening to conversations at cocktail parties would tell me that the quick answer with social security is to take it at 62 versus waiting until full retirement ...
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  • Your Brain or Your Heart

    April 1, 2008
    As the market fluctuates daily and the media keeps telling us to be interested in those daily moves, what are you doing about it? The inclination for many is to do something, anything, just to make it feel like there is control in this short-term uncertainty. But when ...
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  • Tax Control In Retirement

    March 1, 2008
    Sometimes I am asked what changes I would make for people if I could have met them years before they retire. I do not want to use the words, “fixing mistakes,” because it is never a mistake to retire with money saved. I will say, however, that the ...
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  • The 4% Solution

    February 1, 2008
    In the five years leading up to retirement, what I noted in January’s newsletter as the red zone, most people start thinking about where they might get their retirement income. Whether from a pension, social security, 401(k) or the sale of a business, many start gearing up for the ...
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