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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The Risks Associated With Being Alive

by Tony Kendzior \ December 14, 2018 Being alive virtually anywhere on the planet in the 21st century carries with it certain risks. How you deal with those risks largely determines your sense of well being as you navigate the ups and downs of everyday life. Risks are all around us. Some are inconsequential and …

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‘Rolling Bear Market’ Will Paralyze Stocks for Years: Morgan Stanley

My Comments: It became accepted wisdom that a properly diversified stock portfolio can indefinitely absorb an annual 4% withdrawal rate to satisfy a need for retirement income. That assumption is now disappearing. There is growing sentiment that over the next decade, if not longer, a 4% withdrawal rate will lead to the exhaustion of your …

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Guess How Many Seniors Say Life Is Worse in Retirement

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 …

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The Retirement Savings Mistake That 68% of Baby Boomers Regret

My Comments: I have a client, age 58 and single. I'm unsure just how much money she has set aside for her future. I have every reason to think she’s healthy and given statistical probabilities, will live another 30 years or more. She lives a very busy professional life and finds it hard to focus …

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History says the bull market is ending

My Comments: Paranoia is an elusive thing. Just because you’re paranoid, it doesn’t mean there’s no one out there intent on putting you down. It’s much the same with the stock market. Just because we’ve not had a market correction now for almost nine years, it doesn’t mean there is one just around the corner. …

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How to Pay Off Your Mortgage Before You Retire

My Comments: Retirement is the third stage of our lives. #1 is childhood when our needs are provided for by adults; #2 is adulthood when our needs are met by our efforts; and #3, retirement when you quit working for money and money has to work for you. If you’re lucky, you don’t need to …

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