Latest articles by Jerry Golden, Investment Adviser Representative
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What if You Could Increase Your Retirement Income by 50% to 75%? Here's How
Combining IRA investments, lifetime income annuities and a HECM into one plan could significantly increase your retirement income and liquid savings compared to traditional planning.
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What the HECM? Combine It With a QLAC and See What Happens
Combining a reverse mortgage known as a HECM with a QLAC (qualifying longevity annuity contract) can provide longevity protection, tax savings and liquidity for unplanned expenses.
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A QLAC Does So Much More Than Simply Defer Taxes
Here are the multiple ways you can use a QLAC, from managing retirement risks to creating income for specific retirement needs and wants.
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This Underused IRA Option Offers Tax Benefits and Income Security
Looking to avoid running out of money in retirement? Consider longevity protection provided by a QLAC as a component of your retirement income plan.
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Retirement Income Planning for Unfunded Health Care Costs
Retirement income plans often don't include late-in-life health or long-term care expenses. Here's how to cover for the unplanned withdrawals to pay for those.
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How to Grow Your IRA in Retirement Rather Than Spend It Down
You really can defer RMDs and lower taxes while at the same time increasing the long-term growth of your IRA. Here's how.
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How Combining Your Home Equity and IRA Can Supercharge Your Retirement
While many retirees own an IRA and a home, very few are considering how they could work together in a plan for retirement income.
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How to Create a Retirement Income Plan to Cover Caregiver Costs
Getting all of your assets to work together is key to having enough retirement income to pay for caregivers and other long-term care needs.
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How to Create a Retirement Plan That Checks All Your Boxes
You might consider starting with a model retirement plan that has already been assembled and is ready to be refined to meet your objectives.
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A Different Way to Approach Your Mortgage in Retirement
Conventional wisdom says don't carry any mortgage into retirement, and if you can manage that debt-free feat, good for you. But there are other options.
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How 'Home-Based Planning' Can Address Long-Term Care Costs
Traditional planning for the cost of long-term care doesn't reflect the realities of what the costs are and how they'll be paid.
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Transform Your Retirement Plan With This Powerful Combo
If you're a retiree looking for the trifecta of income, liquidity and legacy in your retirement plan, consider combining a QLAC and an HECM.
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Things Change: Is It Time to Update Your Retirement Plan?
Here’s how to go about updating your retirement plan, including adding important elements, to ensure it meets all of your retirement objectives.
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Annuities and Tax Planning Boost Retirement Income and More
Smart planning takes advantage of the tax benefits of lifetime income protection through annuities. But wait — there’s more.
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How to Add Home Equity to Your Retirement Income Planning
Home equity is sometimes overlooked as a viable resource in retirement. You don’t have to sell your home to find income and liquidity.
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The (R)evolution of Retirement Income Planning
With AI on the horizon to enable the optimization of retirement income plan choices, the retirement fortunes of retirees are about to improve.
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Is Your Retirement Solution Hiding in Plain Sight?
Here’s how to use your home equity in combination with an annuity contract to produce late-in-life income.
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How to Cut Your Taxes as Short-Term Interest Rates Come Down
Using after-tax savings to buy an immediate annuity could shift your taxes on income to later years, when you might have expenses that can offset higher taxes.
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How Your Home Can Fill Gaps in Your Retirement Plan
If you have gaps in your plan for retirement income, you might consider adding the value of your home to your planning.
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For Longevity Protection, Consider a QLAC
A qualifying longevity annuity contract, or QLAC, can help you define a better retirement for yourself by providing guaranteed lifetime income.
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A Challenging Retirement Plan Mission: Not Impossible
A reader makes a request that at first appears not achievable, but with some maneuvering of the retirement income plan building blocks, we find it can work.
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How a Fixed Index Annuity Can Manage Retirement Income Risks
Good retirement income planning involves adjusting to circumstances and evaluating innovative products. Consider an FIA to manage downside risk.
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Retirees: Worry Less About Markets, Long-Term Care and Taxes
Unexpected events can upset the best-laid retirement income plans. These 2024 retirement planning updates are designed to roll with the changes more easily.
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How You Might Need to Adjust Your Retirement Plan in 2024
Here are some of the challenges that could lie ahead this year, plus some suggestions for how you might deal with them to help secure your financial future.
