Latest articles by Jerry Golden, Investment Adviser Representative
-
Annuity Payments Are 30% to 60% Higher: Time to Reconsider
When interest rates rise, so do payments on new annuity contracts. Maybe it’s time to take another look at how annuities can fit into your retirement income.
-
Do Alternative Investments Belong in Your Retirement Plan?
There’s a lot of promotion of ’alternative investments’ these days, from gold to real estate and even to Bitcoin. Are you missing out?
-
How to Get More Retirement Income From Your 401(k)
An integrated approach of investments and annuities could provide you with more retirement income in addition to protection against inflation and late-in-life expenses.
-
Don’t Bet Your Retirement on Stocks: Follow These Four Tips
Keep a generous amount of your savings in the stock market, but make stocks only part of your retirement income plan to manage the risks.
-
Do You Have Enough Income to Retire? That Is the Question
To be or not to be secure in retirement… Income planning is critical, and that means testing different strategies and products to get your best outcome.
-
Remember: Retirement Accounts Are Not All Taxed the Same
How you handle your pre-tax and after-tax accounts can make a big difference in your income in retirement and the legacy you leave.
-
Can AI Plan Your Retirement Better Than I Can?
Financial adviser Jerry Golden posed retirement planning questions to ChatGPT. The results? A good start that begs for human intervention (though it had some things to say about Jerry!).
-
Can Your Retirement Income Plan Cover Unplanned Expenses?
Let’s take a close look at ways to create the liquidity necessary in your income plan to cover big-ticket items later in retirement, such as long-term care.
-
Insuring Your Plan for Retirement Income
‘Longevity insurance’ ensures you don’t run out of money in retirement. How to figure out how much you need, the types of annuities to use and when the income should kick in are tricky questions, though.
-
Are You Worried About Running Out of Money in Retirement?
Planning that integrates income annuities can help alleviate the No. 1 fear of retirees, even in worst-case investment scenarios and when living way beyond your life expectancy.
-
To Create a Better Plan for Retirement Income, Start Earlier
Let’s explore how to figure out how much income your savings can generate at retirement and how to build a better plan when retirement is five or 10 years away.
-
Don’t Hand Your Retirement Income Planning Over to AI Just Yet
Some are saying artificial intelligence can replace human financial advisers, but even ChatGPT recognizes the value of experience, judgment and a beating heart.
-
How to Fix Social Security and What to Do While We Wait
Here are four proposals to modify the Social Security program and to ensure the program keeps going strong for future retirees.
-
Why So Many Experts Consider Annuities a Win for Retirees
Rising interest rates, pressure on Social Security, unpredictable markets and longevity risks are making annuities ever more attractive as a part of retirement planning.
-
Curious About a QLAC? SECURE 2.0 Act Gives This Annuity a Boost
New legislation raises the amount you can transfer from your rollover IRA to a qualifying longevity annuity contract (QLAC), reducing RMDs and increasing guaranteed lifetime income.
-
Even After a Year Like 2022, Your Retirement Income Plan Can Stay on Course
Predictions about what the markets will do or how the economy will perform are often wrong. That’s why it’s better to “prepare” rather than “predict,” and that requires establishing some basic assumptions.
-
Doing Your Retirement Income Planning in the Right Order Matters
A strong retirement income strategy considers many factors, including the retiree’s unique financial resources and needs. How and when you tackle them is critical.
-
Finding Peace of Mind With Your Retirement Income
Even in tough times, you can secure retirement income that lets you maintain your lifestyle, lasts a lifetime, adjusts for life events and leaves a legacy for the kids.
-
Become Your Own Pension Manager
annuities To build your own pension, follow the playbook that corporate pension managers use.
annuities -
Retirement Income Plan – Better Than a Pension?
annuities A pension’s security is reassuring, but there are some advantages to creating your own plan for retirement income using income allocation planning instead of relying on your employer to provide a major source of your income during retirement.
annuities -
How Much More Retirement Income Can You Get?
Each investor is unique, so the answer to that isn't as simple as it sounds. Let's take a look at a few different scenarios to see the outcomes.
-
Retirement Planning: One Size Doesn’t Fit All
For the most important financial decision of your life, you need a plan that’s tailored especially for you, rather than simply following rules of thumb.
-
Investing for Retirement Income Is Different – Rethink 60/40 Rule
retirement planning Investors saving for retirement are familiar with the 60/40 rule, concerning stocks and bonds. But for retirees, a different kind of 60/40 rule applies – one designed to deliver lifetime income.
retirement planning -
Has Bad Economic News in 2022 Hurt Your Retirement Plans?
retirement How the right plan now can get you back on track and reduce the risk going forward.
retirement
