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Focusing on Cash Flow During Retirement

Monday, January 30th, 2012 and is filed under Saving for Retirement

I recently came across a post on a large national newspaper’s blog talking about how investors should focus on generating cash flow during their retirement years.

This makes a lot of sense. Many savers get discouraged when they discover how much money they’ll need to accumulate before retirement. The blog post provided this example: If you were using a “safe” annual withdrawal rate of 4%, you’d need to have $1.5 million saved in your retirement portfolio in order to enjoy $2,500 in monthly income over the course of 30 years. Read More

The US Government Weighs in on Annuities and Guaranteed Lifetime Income

Tuesday, January 24th, 2012 and is filed under Saving for Retirement

The statistics are staggering. According to the Government Accountability Office (GAO), a husband and wife both aged 65 have approximately a 47% chance that at least one of them will live to his or her 90th birthday and a 20% chance of living to his or her 95th birthday. As life expectancy continues to climb, the fear of outliving one’s assets has become top-of-mind for most Americans. Today, it’s becoming more important than ever to put retirement strategies in place that guarantee lifetime income. Read More

Auto Liability in 2012 | Are you underinsured? What if you hit a Bentley?

Monday, January 23rd, 2012 and is filed under Uncategorized

Bentley’s run about $200,000. There’s a slim chance you may hit one, but if you did, would you be covered? Read More

Is it Possible to Deflate Inflation in your Retirement Planning?

Thursday, January 19th, 2012 and is filed under Saving for Retirement

Regardless of whether you’re retiring tomorrow or ten years from now, inflation can take a toll on your retirement nest egg. Don’t be part of the majority of people who underestimate its impact!

We encourage you to play around with an inflation calculator to get a firm understanding of how inflation can drain the power of your retirement savings.

You’ll quickly see that inflation relentlessly erodes the value of each dollar in your portfolio. As the years go by, many people find themselves forced into risky investments that promise to outpace inflation – or into low-risk, low-reward investments that at least hold their own. Read More

2012 Consumer Goods Outlook – Ouch!

Friday, January 13th, 2012 and is filed under Uncategorized

So did you bring in the New Year with a bang? Still feel it in your head? Unfortunately, your headache may linger. 2012 is shaping up to deliver a pain in the pocket book, too.

Read More

Resolutions, real life, and sweating the small stuff

Monday, January 2nd, 2012 and is filed under Saving for Retirement

Resolutions are so much fun to formulate – they epitomize the best we want to be. However, time and time again, our resolutions slowly blur from the idealized vision we see for ourselves until we find ourselves falling back into just managing the minutia that makes up our day-to-day lives.

Maybe the larger truth is that better managing the minutia––not fulfilling lofty start-of-the-year resolutions––is the key to bettering our financial lives. Read More