Retirement Planning

Even if you aren’t worried about getting sued right now, it’s nice to know what is within the reach of creditors and what is out of bounds. If you have money in a 401k you can relax – your assets are safe from nasty creditor law suits. The same goes for SEPs and SIMPLE IRAs. […]

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When someone offers to send you an income check for as long as you live, it sounds like a pretty good deal – right? Who wouldn’t want perpetual income? Well…as you’ll see, an income annuity might be good for some people but not everyone. What is an Income Annuity? An income annuity (aka immediate annuity) […]

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If you don’t diversify your income, it could lead to financial devastation. Think about what could happen if you lose your job. Yes, emergency funds can help protect you in those circumstances. But your emergency fund will go further and you will have more financial security if you build income diversification into your finances. How […]

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IRAs can be complicated – but they don’t have to be.  The reality is, there are only a few rules and limitations to be mindful of in order to make maximum use of the available options.  Let’s take a look together and see how straight forward it really is Traditional IRA This is the standard […]

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Even though tax season is winding down, it’s not too late to fund an IRA.  But what is an IRA and why should you buy one?  How do they work?  These are important questions to ask because IRAs are some of the very best ways to secure your financial future.  And if you ignore the […]

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If you want to retire successfully and not have to worry, mastering your retirement budget is where you should focus your attention. It’s plain to see why this is so. Even if you work after you retire, your spending is what you have most control over.  It just makes sense to put your attention there. […]

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