My Comments: I’ve talked in earlier blog posts about the rate used to withdraw money from your retirement accounts. There is a prevailing sentiment that it should be 4% or less. I think that’s too low. On the other hand if I’m wrong, and 30 years later you discover you have run out of money, …
Continue reading For Retirement Portfolios, a Smarter Glidepath
My Comments: By now you know that I provide financial advice about Social Security and about ways to maximize your SSA benefits. That all happens when you are alive. Inevitably, someone in a married relationship is going to leave the building, as Elvis did. Then what happens? by Paul Norr / AUG 18, 2014 …
Continue reading Social Security Survivor Benefits: What Advisors (and clients) Should Know
My Comments: We’ve been living in a low interest rate environment for some years now. The general consensus has been that they can’t get any lower and that the Fed will push them up if and when the US economy starts to see any inflationary pressure. I know that clients, who for years depended on …
My Comments: Helping potential clients with an analysis of coming Social Security benefits is big business across the country these days. And I’m doing my share of it. Thank you very much. But in spite of my being closely aligned with this process for the past 15 months, I’m still confused by the myriad of …
Continue reading Social Security: Boost Benefits for Both Spouses
My Comments: This is a writer I’ve learned to enjoy over the past several months. I’ve used his articles before and I do so here again. He makes such good sense. posted by Jeffrey Dow Jones July 17,2014 in Cognitive Concord I get all sorts of questions from all sorts of different investors. As strange …
My Comments: Football season is about to start, Ukraine is still bothered by the Russians, and Ferguson, Missouri is still a mess. So here I am talking about the stock market and an index I have never heard of before. I suspect you haven’t either. But there is reference here to the Misery Index, which …
Continue reading Gauging The Stock Market With The Tocalino Index
My Comments: This is a self-serving blog post. While I should apologize for this, there are millions of Americans who will find themselves looking for financial freedom in the years to come and unless they have developed the necessary skill sets, they will find themselves behind the curve in a big way. Somebody has to …
Continue reading 9 Reasons Consumers Need Advisors More Than Ever
• It’s too expensive • My attorney takes care of that • Planners just want to sell me something • Too complicated • It may jeopardize my own financial security • My children want me to spend it all • Leaving too much to my children can make them unmotivated • My children are financially …
My Comments: This article appeared as An emergency checklist for advisors and clients: essential legal and financial documents. It caught my eye since lists are always useful when it comes to writing a blog post that someone might read. After all, I read this one. More than that, however, is the fact that getting older …
Continue reading Essential Legal and Financial Documents to Have
My Comments: I’ve argued vigorously over these past few years in favor of the PPACA, what all of us know as ObamaCare. Without it we would be at the mercy of the drug industry, hospitals and the insurance industry. Of the five primary stakeholders in the health care debate, any two of those three could …
Continue reading Obamacare Helps Add Life to Medicare as Shortfall Delayed
Helping Define Your Financial Future 