My Comments: For millions of us, Social Security is a critical component and source of income as we attempt to flourish and enjoy our retirement. For those of you who decry the idea of ‘socialism’, I encourage you to attempt to finish your life without every cashing one of your monthly checks. Yes, you might …
Continue reading 7 Social Security “did you know” moments to consider
My Comments: They say money is the root of all evil. While that may be a fundamental truth, it’s also true that in our 21st Century society, having more money is better than having less money. As I develop my online course focused on helping people achieve a successful retirement, the idea behind having more …
Continue reading 12 Retirement Investment Factors That Are Frequently Overlooked
My Comments: For millions of us, a predictable monthly income from Social Security has become critical for sustaining our standard of living. For many reasons, we should be increasingly worried about it. But that story is for another day. Right now, I’m sharing with you what I hope is a simple overview if you have …
My Comments: You have not heard much from me lately. That's because I've been spending hours and hours building an internet course on retirement planning. I'm not there yet but soon will be. Keep following this blog and you'll get an announcement when it's ready. In the meantime, we're at the end of Quarter 1 …
My Comments: Little is said these days about those who are investing for the future and are still working vs those investing for the future who are no longer working. Think of it as being defined as the accumulation phase of your life vs the distribution phase of your life. Different rules apply. Vanguard Funds …
Continue reading Vanguard’s Chairman Sees Muted Decade for Stocks After Long Rally
My Comments: Some of you reading this have money in 401(k)s and 403(b)s and cannot simply remove it and place it somewhere safer. Which means you’re completely exposed to the vagaries of the markets and you can only hope for the best. I learned long ago that HOPE is not an effective investment strategy. So …
Continue reading How your 401(k) can survive and thrive in the next bear market
My Comments: If you’ve read my blog posts these past few months and years, you know that I have no idea what is coming next. What I do know, however, is that anyone who says “it’s different this time" is full of s**t. It’s the nature of the beast for there to be corrections, and …
My Comments: After 40 plus years as a financial/retirement planner, I’ve lost count of the number of people who, as they approach retirement, ask whether they’ll have enough money. Or the corollary, when will they run out? If you expect to have a successful retirement, ie one where you run out of life before you …
Continue reading Guess How Many Seniors Say Life Is Worse in Retirement
My Comments: Most of the recent talk about the Constitution comes in the wake of the tragedy in Parkland, Florida, for obvious reasons. The attention is well deserved but I'd have you think about more than just the 2nd Amendment. At the national level, if not across the globe, society is re-evaluating itself. Are the values …
Continue reading Can the Country Survive Without a Strong Middle Class?
My Comments: This comes from Britain, so a little translation may be required, but the message is useful here. Last month, I had a conversation with an widowed client (81 y/o) who was sent an 'encouraging’ letter, urging her to buy an extended warranty for her 7 year old car. It caused her to be …
Continue reading 10 Financial Services That Are A Waste of Money
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