Retirement Planning

Are You Prepared For The Next Storm

After experiencing my first hurricane (and coming out unscathed – thank you God), I realized how important it is to be well prepared for the unknown. While we knew about Irma coming towards us for quite some time; not knowing exactly where or how hard it would hit was nerve-wracking. To prepare for Irma, I Read more >>

The Retirement Jigsaw Puzzle

As a child, I loved jigsaw puzzles. All those colorful pieces that, when put together correctly, made a beautiful picture. The trick is knowing how those pieces went together and I always found that working from the outside in, building the frame so to speak, made it easier to make the whole puzzle come together. Read more >>

The Income Gender Gap Is Stacked Against Women

  For years, an income gender gap has existed between males and females. Despite enormous efforts and great successes, the income gap is causing retirement planning for women to be a hardship.   Here are facts that are a source of concern. • Approximately 2 out of 5 working women earn less than $30,000 per Read more >>

How Many People Are In The New American Economy: Living Paycheck To Paycheck?

Concern by many employers that will need to increase their minimum hourly employee compensation is a major concern. The federal government sets minimum hourly rates for employees however many sectors of our economy have successfully lobbied exemptions to the $7.25 hourly rate. Who is exempted is astounding, the reasons behind the government’s decision are as Read more >>

Women And Investing It’s A Different World

As an advisor, I meet with single women quite often.  Be it from divorce or the passing of their husband; I see women come into my office frustrated and fearful. Women have different views and needs when it comes to retirement planning advice and for several reasons. First, let’s look at the science behind why Read more >>

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. These problems arise because they 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 >>

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