Ken Fisher, Founder of Fisher Investments, wrote in USA Today on June 24, 2018, “You shouldn’t worry about Social Security running out of money because in the past this same fear has “prompted politicians to act and put in simple fixes.”[i]  Then he goes on to explain that raising taxes, or the minimum retirement age …

Continue reading “The Social Security Myth”

When purchasing participating whole life insurance, many want to see the premium “disappear” as soon as possible. And if you have a limited source of funding to pay the premiums with, like an inheritance, a bonus, the sale of personal property, a settlement, or lottery winnings, it might make sense to have the premium “disappear” …

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California cities are floundering to pay for the rising cost of public pensions.  Interestingly, the governor of the “Golden State” says, “it’s not up to the state to help.”  Even though most local governments face even greater pressures than the state in meeting promised pension plans, the state government isn’t going to lend a helping …

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Over 4 million people will retire this year.  That’s nearly 11,000 per day!  And nearly 9 out of 10 of them all have the same worry: “Will I out outlive my money?”[i]  Many accountants and financial planners run financial models to assure their clients that they will have the money they need to meet future …

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Everyone talks about retiring someday, dreaming about how it’s going to be.  No alarm clock, no schedule, no boss, no worries and not a care in the world.  To some this means golfing daily. For others it might include traveling, more time with grandchildren, volunteering, or taking on some new and distinctive responsibilities.  Yet there …

Continue reading “4 Daunting Facts About Your Retirement That You Need to Know”

Fees, fees and more fees seem to be the norm when planning for your retirement.  Which leads one to ask, “Are there any specific restrictions on how many fees or how big the fees can be?”  And the direct answer is NO!  However, the Securities and Exchange Commission (SEC) does confine how large a fee …

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Most Americans have enough money in their 401K to live three to six years, if they’re lucky, once they retire.[i]  Why?  The answer is simple.  People get discouraged and disillusioned when the earnings on their savings/investments don’t grow as fast as they had hoped due to market corrections, low interest rates, fees and penalties that …

Continue reading “How to NEVER Out Live Your Money”

The surest way to gain weight is to eat more. The proven way to stay in shape is to exercise regularly. And as simple as these facts are to grasp there are still many overweight and physically unfit persons in American today than ever before. That is because Americans tend to want more.  And wanting …

Continue reading “The Single Most Important Thing to Do to Retire Easier”