Traditional Retirement Planning and Annuities
Today’s low interest rate environment makes annuities more attractive than bonds. While annuity payouts have dropped because of low rates, alternative strategies such as bond ladders, have been hit harder.
Teaching Retirement
When it comes to spending down retirement assets, timing is everything. Your strategy will depend on where your assets are located, tax liability, and other considerations.
Revisiting The 4% Rule
The “4% rule” has long been a benchmark for how retirees can safely spend down their accounts. Like any rule of thumb, it’s a guideline – not an immutable law.
The “Grey Divorce”
A “grey divorce” – one that happens later in life – can be hugely disruptive. Work with a financial planner to shrink that “degree of losing.”
2021 . . . What if?
No one could have foreseen what was to come this time last year. Make sure your retirement system is resilient where it needs to be to help ride out future uncertainty.
Holiday Gifting Within Your Plan
When gifting your estate assets to your family, make sure consider your own retirement income needs and potential tax liabilities for you and the receiver.
It’s all a Numbers Game
How confident are you that you’ll reach the number you need for a comfortable retirement?
The Pandemic Parent’s Crisis
The pandemic is forcing parents to reassess career and life goals as they attempt to navigate a new normal for remote learning for their kids.
Difficult Times . . . Practical Lessons
The pandemic has had a significant negative impact on income, and as a result, how we save and invest. A strategy that factors downside risk can help.
There Is Hope During A Job Loss
Personal economic setbacks can present opportunities if you know where to look for them, starting with your financial systems.
