Archive for the Retirement Income Planning Category


401k’s Aren’t the only Retirement Plan that can Leave you High and Dry

We’ve definitely not shown a lot of love and admiration for the old 401k Plan around here. While  there may be circumstances where contributions to a 401k make sense (though relatively few circumstances) we would be remiss not to point out that 401k’s and their sister products (e.g. 403b’s, 457’s, etc.) aren’t the only wholesale […]

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CNBC Thinks Life Insurance Works for Retirement Income?

Yeah you read that right.  In recent story over at CNBC, How to Invest for a (Mostly) Tax-Free Retirement life insurance is actually given a little a tip of the hat! Clearly, the world is coming to an end.  The mainstream financial media usually takes great pleasure in beating up on whole life insurance and all […]

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Be careful how you save—Your IRA and 401k may be a trap

Since I’m never really one to go with the flow, today I’ll hold true and bludgeon the sacred cow of all financial advice guru’s—the IRA and the 401k. Not to worry, I’m not trying to be controversial or contrary to spite Dave or Suzy.  That’s just an added bonus I am concerned about the conventional […]

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Retirement Savings Roulette

As of late, it would seem that a great many people are engaged in a bit of retirement savings roulette and I’m afraid it’s not going to end well for them. Just in case you’ve been living under a rock for the past four years or so, interest rates paid on traditional income generating retirement […]

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The Coming 401k Bond Blood Bath

For a while, Brandon and I have been discussing the coming 401k bond blood bath for people who are retiring and have been planning for years to shift their asset allocation to a much more conservative posture. Remember when the conventional wisdom was that during your retirement years you would shift the weighting of your […]

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The Retirement Income Opportunity has arrived

If you’ve read any of my previous posts, it’s no big surprise to you that I’m very passionate about the subject of retirement income.  Honestly, I think this is one of the biggest boondoggles for financial advisors, investment companies and life insurance companies. None of them have been prepared for the growing demand that is […]

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CD or Multi-Year Rate Guarantee Annuity–Is it a fair comparison?

Typically a multi-year guaranteed annuity and the term “CD annuity” are used interchangeably within marketing literature.  While the description is accurate in describing conceptually how the product works, I feel it could be a little misleading to consumers. An annuity is NOT a CD, it’s not related to a CD, and the two really shouldn’t […]

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What is a Pension?

Ah the Pension.  A long sacrosanct retirement vehicle known for its rigidity and stability.  The anchor that led many American’s into a comfortable retirement.  That was, until the late 70′s early 80′s when a few pieces of legislation dramatically changed the retirement planning landscape and gave way to a new (and much cheaper for some […]

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Create Your Own Pension–a certain path to retirement income planning.

Disclaimer:  This post will fly directly in the face of all conventional wisdom with regards to planning for your retirement.  I’ve been directly involved in all sides of the retirement planning industry (stocks,  qualified plans, all types of annuities, insurance, discounted cashflows, bonds, mutual funds, structured deposits, separately managed accounts, private equity etc.).  And I […]

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