1. The Math of Rebounds

    What is the future of your retirement?  It just might shock you (or maybe not, unfortunately) that the stock market rebound needed to get back to even after a significant loss is much higher than the loss itself, and each of these market losses were all 100% out of our control. These events were due to the actions of others, yet each one greatly affected your investments.   Here is what I mean: …Read More

  2. The Cost Of Waiting

    The Cost Of Waiting For Financial Planning If you are in retirement or near retirement, there is an internal clock that begins at around the age of 50.  It concerns your financial planning strategy for retirement, and it is called The Cost of Waiting. What this term means is simple:  What dollar amount are you willing to lose before you make a decision and if there was indeed something better fo…Read More

  3. Hope So vs. Know So

    Financial Planning 101: The Difference Between Hoping So and Knowing So What does it take to be confident in your retirement income planning?  Will your nest egg last?  Is it enough?  What about an unforeseen event popping up?  Will you have enough for the extra things, such as grandkids, travel and relaxation? It is all about 'Hope So' vs 'Know So'.  Here is the difference between the two: H…Read More

  4. The Sports Car vs. The Mini Van

    When we sit down with our Income For Life clients that are either close to retirement or are already in retirement, we like to describe annuity products vs. the stock market products with an analogy of "the Sports Car vs. the Mini-Van" — and things tend to then become much more clear. Our financial advisors have years of experience helping clients with their retirement income planning. Contact…Read More

  5. The Boiling Frog Mentality

    It has been said that if you place a frog into a pot of boiling water, it will immediately determine that the water is dangerous and will jump out. But, if you place the same frog in a pot of room temperature water and gradually bring the water to a boil, the frog will not jump out and will eventually come to its demise. Unfortunately, I have met with many retirees or near-retirees that have the s…Read More

  6. 2014 Gallop Poll: Retirement Remains Americans’ Top Financial Worry

    WASHINGTON, D.C. -- A firm majority of Americans, 59 percent, are worried about not having enough money for retirement, surpassing eight other financial matters. A majority of Americans have reported being "very" or "moderately" worried about retirement savings every year since 2001, illustrating that saving for retirement disquiets Americans in both good and bad economic times. Seek Retirement In…Read More