Equity-Indexed Annuities As a Retirement Strategy

My Comments: We know for a fact that very little in life is free. And that’s certainly the case with annuities. Add to that they’re hard to understand, and are often sold for reasons that are not always in the best interest of the buyer. None of that, however, means you shouldn’t consider annuities when …

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The Ten Best Personal Finance Resolutions for 2019

My Comments:  As always, this is when I try to identify and make a list of things I want to do in the coming year. And as always, I might get one done but by the end of January, it’s all in the rear view mirror. But that doesn’t mean new year’s resolutions are a …

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Change Is Coming To The Retirement Landscape

My Comments: Thinking hard about your future retirement can be painful. But unless you want your later years full of unwanted stress, you need to spend time thinking about it. This is a rather technical overview for those of you not afraid of change and how it might affect your life going forward. November 1, …

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The Most Overlooked Issue In Retirement Planning

My Comments: I’ve written life insurance policies on men, women and sometimes children for over 40 years. In almost every instance, objectivity was hard to come by. The idea of death is difficult to talk about, especially when it’s about your death, or those you love. As I’ve aged and come to terms with my …

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Why You Should Move Your 401(k) Into An IRA

My Comments: People become emotionally involved with their retirement accounts. With retirement money, there are components that reflect future peace of mind, freedom, independence and comfort levels. Making decisions about it are inherently difficult. Couple that with a feeling of intimidation resulting from, among other things, a lack of control over what’s happening with their …

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5 Facts You Didn’t Know About Retirement

My Comments: Though written two years ago, the message here is increasingly relevant. Social Security is under attack by the Republican leadership in the Senate. Reasonable solutions to keep it viable and properly funded are readily available provided there is a political will to make that happen. My experience over the past 40 years in …

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Public Pensions Could Become Retirement Crisis for Everyone

My Comments: Too many people are wondering where the money will come from to pay for their retirement. And too many people will not have enough money to live the way they want to. And too many people will not have the necessary resources to pay for health care in retirement. All this is leading …

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