At age 35, which generation is better off? Are millennials worse off than their baby boomer parents were at their age? Both generations have had economic adversity, but what does that data say? Which generation is better off at […]
What Are QLACs? What are QLACs and should you get one? Another “good annuity” is gaining interest: the QLAC (Qualified Longevity Annuity Contract). This is “a DIA for your IRA.” A QLAC is a Good Annuity, Too! A QLAC lets […]
A Good Annuity Comprehensive Guide to SPIAs What is a “good annuity?” It is an annuity an advanced investor might want to buy! Usually, you are sold annuities, but not so with a good annuity. When considering retirement income, should […]
Good Annuities in Retirement How do you use an annuity in retirement? Which annuities are “good” for retirement? Annuities, when used appropriately, lower both potential risk and possible reward. A SPIA is a good tool for significant current income needs. […]
Focus on me being Better Not on me being Bitter You plan on using resiliency to survive a shame storm, but you must survive it every time. After rock bottom, you hurt enough to change, grow, and learn to heal […]
Asset Allocation depends on Risk Tolerance Risk Tolerance and Asset Allocation are tied at the hip and depend on age and recency bias. How you understand risk—and how you balance the stock/bond proportion in your portfolio—is the most important decision […]
Stocks and Time People say that stocks get less risky the longer you own them. Stocks are riskier the longer you hold them. You know: don’t invest money you need soon. But for the money you need in retirement, […]
Intrafamily Loans Tax Implications If you have oversaved for retirement, you might consider giving your kids or grandkids a loan for a downpayment on a house. The tax implications of these intrafamily loans are important to understand. With […]
The opposite of scarcity is enough The opposite of scarcity is enough. Not abundance. In retirement, it is okay to be enough, and it is okay to have enough. Enough is the goal in retirement rather than abundance. Scarcity […]
