Latest articles by Jerry Golden, Investment Adviser Representative
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How to Generate an Extra $20,000 a Year in Retirement
Investing for Income That amount of money could change your life. Let me help.
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Name Your Plan – Select Both Retirement Income & Legacy Target
retirement planning You know how much income you need and what kind of legacy you want to leave, but what you don’t know is if you might be able to hit those targets. Here’s one way to find out.
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The Cost of Retirement Has Tripled! But a New Way of Planning Can Help
retirement planning With today’s low interest rates and paltry dividends, the old way of saving for your retirement and living off your dividends and income to preserve your principal for a legacy doesn’t work like it used to. But don’t panic. Consider this new Legacy Income Planning method instead.
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Income Planning to Help You Win the Retirement Trifecta
retirement planning With a retirement income plan that focuses on the allocation of income, and delivers lower fees and taxes, you can increase your income with less risk even as you increase your family’s legacy.
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A New Approach to Retirement Income Planning for Women
retirement planning Focusing on income, rather than savings, is important for anyone planning to retire. But it’s even more important for women, in particular. To reduce fees, manage taxes and produce reliable income, an income allocation plan does the trick.
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How to Turn Your Retirement Savings into Retirement Income
retirement Your retirement income plan starts with a primer on Income Allocation planning, my method of creating a reliable stream of income big enough and steady enough to last you through retirement.
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Find the Income to Insure Against Retirement Risks
retirement When money gets tight, it can be tempting to ditch some insurance coverage to balance your budget. However, that could leave you high and dry. Instead, figure your premiums into your income plan itself.
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When Retirees Question More Retirement Income
annuities What would you say if I told you that you could safely get significantly more retirement income from your retirement savings? That’s what I call an Income Boost.
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With Interest Rates Near Zero, Annuities Help Pick Up the Slack
annuities What do retirees do with their money when interest rates are next to nothing? Here’s how pulling annuities into the mix can help.
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End of Decade Closes with 3 Surprises for Retirement
retirement A trio of unexpected occurrences all point to one conclusion: When it comes to a successful retirement, income reigns as king.
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Prepare for Detours in the Market: Manage Your Plan in Real-Time
investing When the stock market takes a dive, retirees with resilient income allocation plans still get by swimmingly. Here's what that looks like.
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How to Crunch the Numbers on When to Claim Social Security
retirement What's the smartest way to claim benefits? Well, don't believe those who say you're stupid if you claim early or that age 70 is always the way to go. It depends on your own circumstances.
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How to Cut Your Investment Fees in Half
Making Your Money Last A 1 percent fee may not sound like much at first, but don't let that fool you. It may be much more costly than you realize.
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Don't Bet Your Retirement on Monte Carlo Models
Making Your Money Last They measure market risk but don’t eliminate it, and they don't consider all the twists and turns life can take. Instead, build a plan to create a stable income throughout your retirement, no matter what.
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How to Reduce Taxable RMDs and Improve Your Retirement Income Plan at the Same Time
retirement Adding annuity payments to your IRA withdrawals could save on taxes and help ensure a stable cash flow throughout your retirement. With that in mind, here's a QLAC strategy to consider.
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What Happens to Your Retirement Plan Now That the Fed Lowered Interest Rates?
Making Your Money Last As you design your retirement income plan, you might think that the Fed's cut in interest rates will force you to switch gears. But remember: Whether it's dividends, interest or annuity payments, don't try to time the market.
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How to Lower Your Retirement Tax Rate to Less Than 10%
retirement Managing your income by using the right mix of investments and annuities in retirement could help you trim your retirement tax rate to under 10% ... even for those investors with $4 million in assets.
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5 Ways to Increase Your After-Tax Spendable Income - and Legacy
Making Your Money Last Did you enjoy writing a check to Uncle Sam on April 15? No? Well, then try these strategies to increase your spendable after-tax income (and leave more to your heirs) over the long term.
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Retirement Planning Reinvented
Making Your Money Last To help maximize your income and reduce your risk, try building your retirement on the allocation of income among dividends, interest, annuity payments and withdrawals.
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Are Income Annuities Fair?
retirement An off-kilter idea of fairness may be getting in the way of some people's long-term plans for guaranteed income.
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2019 New Year's Resolution: Fix My Retirement Plan
retirement A five-step plan to map out your retirement income potential, create a budget and help put your long-term goals safely in reach.
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How SHOULD Income Annuities Be Taxed?
retirement Here's a tax idea to increase income for retirees while reducing the deficit.
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How Income Annuities are Taxed – and Why
retirement The guaranteed payments for life that income annuities deliver offer retirees a great sense of security. What people might not realize is that how those payments are taxed will depend on how the annuities are bought.
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Keeping Up to Date on Your Income Annuity Quotes
retirement Food comes with expiration dates, and so should your retirement plan. If you think you know what type of guaranteed annuity payments you qualify for because you once checked, well, it could be time to check again.
