Retirement Planning

Understanding Income Riders

By Robert P Kelly As I speak to so many callers to my Safe Money and Income Radio Show I find that I spend a lot of my time undoing a lot of the misconceptions and even outright misrepresentations that a lot of them have about annuities and income riders. Generally, these problems arise because Read more >>

Where Are You Now?

Someone once said that to know where you’re going, you must know where you are NOW. That will change as often as circumstances change. What sorts of changes? Well, death of a spouse is certainly a life-changing change that effects everything. Deaths of trustees/executors are important to consider. The housing crisis a few years back Read more >>

Risk on Paper Is Different From Reality

The Best Practices Used to Create Sustainable Streams of Retirement Income   Today, stability is a welcome oasis in a sea of uncertainty. Investing involves placing your money at risk in the capital markets, which are subject to geopolitical and economic events as well as the collected behavior of millions of market participants. No one Read more >>

How Many Acres Must I Own?

  A new rule exacted by the Department of Labor governing financial advice provided by advisors has thrown the industry into a state of confusion and disarray.  The “Fiduciary Rule” went into effect June 9, 2017, however, any enforcement of the rule has been delayed until January 2018.  New DOL Commissioner Acosta has indicated the Read more >>

Inflation Can Cripple Retirement Planning

Most investors only consider the risk to their principal, which is why they favor Certificates of Deposit over non-FDIC insured investments for their most protected assets. The risk of lost buying power is a more complicated dynamic. The dollar value of principal stays the same, but year after year, a dollar buys less and less.  Read more >>

Saving For Retirement? Don’t Forget Your Teeth

Three years after Sue retired, her jaw began to hurt, at first only when she awoke, then eventually constant. As she had aged, a small overbite had gown to a big overbite, an overbite that was changing her mouth and her life. Her dentist suggested several options, surgery, exercises and special devices. Eventually, Sue was Read more >>

People Depleting Their Retirement Funds Fast… Do Not Be One

  According to a recent Harris Survey, people who take a lump sum from their employer-sponsored retirement plan are depleting those funds fast. In fact, 1 in 5 retirees have depleted it completely. After lump sum withdrawal, according to Harris Poll: 62% had money leftover 21% had completely depleted their funds 17% didn’t know how Read more >>

Failure To Plan Can Be Devastating

The Best Practices Used to Create Sustainable Streams of Retirement Income __________________________________________________________________ When it comes to entering retirement, failure to plan can have devastating consequences. Most of my clients are looking to develop a plan for paying themselves in retirement. That and so much more is offered at Mayfield Financial & Estate Protection Services, Inc. Read more >>

Income Solutions 2017

By William Jed Mayfield The Best Practices Used to Create Sustainable Streams of Retirement Income Do you want the best retirement income solutions in 2017? Do you want to find the right answers for creating a secure retirement, never fearing market volatility again with that part of your portfolio that is necessary for sustaining your Read more >>

7 Things You Must Know About Claiming Social Security

Social Security is a great program, but knowing when and how to claim your benefits can determine how much you collect. Here are seven potential problems you need to consider so you can maximize your Social Security income. 1: Remarrying Before Age 60 If your spouse dies, you will be entitled, in most situations, to Read more >>

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