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If the Hare is Expectations, then the Tortoise is Perspective

Markets are always in a rush. They rush to price in a new fiscal policy. They rush to price in inflation. In short, they rush to price expectations of higher growth. Since the election on November 8, markets have reacted to campaign-trail rhetoric of strong fiscal spending and tax cuts that could well add up…

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It’s Harder Than You Think to Spend Down Your 401(k) in Retirement

At a recent conference, retirement experts concluded that the lack of an easy withdrawal mechanism in 401(k) plans was the major challenge facing the 401(k) system. In 2014, the Treasury Department and the IRS issued guidance that made fixed index annuities accessible to 401(k) plans. But individual plan sponsors feel under siege by lawsuits and…

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In Retirement, There Are 4 Financial Issues You’re Probably Not Planning For

A recent article in The Motley Foolhighlighted some key financial issues a lot of people do not plan for in their retirement: Inflation is one of the sneaky retirement-killers. To beat it, choose investments that will produce high enough returns without a loss – in order to outpace the loss of your money’s value. Plan…

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How to Spend Smarter in Retirement

An article in Morning Star offered tips on how retirees can be smarter with their spending in their post-career lives. Plan for the long-term Your retirement income should be based on planning to live, not planning to die. Remember that half of the population outlives the average life expectancy. Develop a plan that takes into…

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America’s Next Retirement Crisis Could Be That Baby Boomers Are Living Too Long

An article by Business Insider said that baby boomers feel pressurized to work longer to support themselves and they are worried about outliving their savings. A survey by the Insured Retirement Institute said that 23% of baby boomers feel that they are prepared for retirement, only 54% had any retirement savings at all, and only…

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Is Guaranteed Income for Life the Right Option for You?

Funny thing about annuities. People love them in concept, but they aren’t nearly as enthusiastic when it comes to actually buying these insurance products, which are the only investments that can provide guaranteed income for life. For example, a recent survey by the Insured Retirement Institute and Jackson National Life Insurance Company found that while more than 90%…

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Why is the Average Retirement Age Rising?

About half of today’s working-age households will not be able to maintain their current standard of living in retirement. Social Security will provide less (relative to pre-retirement earnings); 401(k) balances are meager, and half the private sector workforce does not have an employer-sponsored plan. At the same time, with rising life expectancy, the number of years spent…

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How to Restructure Your Investments for Retirement

A recent article in Forbes talked about the ways you should be changing your investment strategy when you retire. There are three stages of retirement – the “go go years,” where you will focus on the fun things in life – and whichwill usually result in a spike in lifestyle expenses. The “slow go,” years,…

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Retirement Bear Market Risk

What does this have to do with IUL?  Everything!  Stocks  are good right now.  We are in year #9 of a Bull Market – but since WWII there has been a Bear Market every 6 years that has lasted 16 months, with an average loss of -33% (plus fees).  The net result is a 0% gain,…

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Should a Retiree Purchase Medicare Supplemental Insurance?

The following is a conversation that we recently had with a client who is retiring soon. He wanted to know if he should purchase a supplemental insurance policy when he signs up for Medicare. This is a highly personal decision, so rather than give him advice, we tried to explain, in very basic terms, what…

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