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Check out the latest news about Secure Retirement Strategies and other topics of interest

Why the Tried and True Retirement Withdrawal Strategy Just Doesn’t Work

The typical retirement advice will often recommend the “tried and true” sequence for financial withdraws: First, take from any taxable accounts; then tax-deferred; then tax-exempt. That’s because it’s theway we’ve always done it before. Conventional wisdom. And, in our humble (read: informed) opinion, it’s wrong. At least, it’s wrong for many people. There is the…

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What Does Your Retirement RiskAwareness Level Look Like?

When it comes to how aware you are of your financial situation, which of these levels best describes your current mindset or feelings? White: You’re completely relaxed, unconcerned about your financial situation, and are not making any plans or changes to your retirement strategy. Yellow: You’re at ease and monitoring your financial situation. You know…

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Is an Annuity Right for You?

We are living longer. How do you make your money last for life? Don’t have a pension? Don’t worry. Financial planners are increasingly paying attention to annuities as an option for retirement savings. Here’s the single most important question for people who are planning for or already into their retirement: How are you going to…

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Pension Storm Coming: “This Will Become One of the Most Heated Battles of My Lifetime”

Elected officials at all levels have promised workers that they will receive pension benefits without taking the steps to deliver on these promises, which will end badly for many people. When hurricane Harvey hit Houston, the flood system was supposed to protect the public – but Robert Bea says this was a “100-year lie.” Both…

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The Shocking Truth About Stock Returns

Right now, we’re in the midst of the second-longest and second-strongest bull market in U.S. history. That’s great news, right? Well, according to a recent article on MarketWatch.com, since March 2000, the S&P has produced an annualized price-only return of only 0.9%, after inflation. Even worse, a very slight correction in the market could completely…

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Pensions Are on the Way Out,but Retirement Funds Are Not Working Either

U.S. law provides for many kinds of tax-advantaged retirement plans. They fall into two broad groups: defined-benefit (DB) and defined-contribution (DC) plans. Defined-benefit plans are mostly the old-style pensions. They came with a gold watch and ensured you some level of benefit for the rest of your life.Your employer would invest part of your compensation…

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Most Retirees Will Outlive Their Savings

As Tom Hegna says over and over again, “Longevity is not just a risk, it is a risk multiplier.” Ask yourself this: is it easier to plan for retirement if you retire at age 65 and die at age 70 or is it easier to plan for retirement if you retire at age 65 and…

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Our Retirement Solution

For many years, American workers relied on the three- legged stool approach to prepare for retirement. In order to keep the stool stable and create a predictable plan for generating income in retirement, an individual would construct the following three legs: Personal savings Employer pensions Social Security For numerous members of “silent majority” this strategy…

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How One Woman Paid Over $3,400 in Variable Annuity Fees… and Didn’t Know It!

Imagine paying thousands of dollars and not knowing it. That’s what happened to one woman who bought a variable annuity (VA). She wanted the opportunity to grow her retirement assets and a VA seemed a good way to go for her. If the market did well, the risk may have been worth it, depending on…

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Would You Like to Make More Money in Retirement?

We talk about it, we read about it, and we hear about it on TV and the radio: that 3-legged stool of Social Security, pensions, and retirement savings probably will not be enough to support most of us in the manner in which we’re used to living. Social Security has issues, pension problems are growing…

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