Archive for the Retirement Income Planning Category


How Much Money Do I Need to Retire? A Million Dollars Ain’t What It Used to Be.

We have a lot of conversations that start with the question, “How much money do I need to retire?” The answer is a lot more than you might think, especially if you’re used to scraping out an existence on a six-figure income.

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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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What’s The Problem With My Pension?

For the past few decades, a big part of the American Dream was to go to college, get a great job with a big company, work there for forty years and then spend your days cruising around in your golf cart in some place like Boca Raton, Scottsdale or Palm Desert. Of course this whole […]

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7702 Plan: Always a Bad Idea or Simply Misunderstood?

Several years ago (the details as to exactly when are a little hazy), someone somewhere within the insurance industry made a fascinating discovery, which gave way to something referred to as a 7702 plan. What might this fascinating discovery be? A tax loophole? The introduction to a new financial product that would bring salvation to […]

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How Come People aren’t Laying Dead in the Streets? Retirement for the Baby Boomers

If you’ve spent any time reading the financial press you’ll likely notice that Americans are chronic under-savers and this spells bad news for retirement.  In fact, it turns out we’re so bad we recently reviewed a lot of the ideals Alan Greenspan championed and it turns out he might not have been exactly right (or […]

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