Category Archives: Qualified/Retirement

Building a Personal Pension Like the Professionals

I think one of the biggest problems that baby boomers are going to encounter is transitioning from accumulation to decumulation.   At 30 I am still young, but it has to be an odd feeling moving from the gathering of assets to partitioning which assets to spend and when.  I recently read an article in Investment

How Much Will Your Expenses Be in Retirement?

There has been a trend in retirement planning that I don’t particularly understand, the trend is propagated by the main stream financial companies/publications that look for easy answers that are not so easy.  In retirement planning you don’t need 50%, 60%, 70%, 80%, 90% or 100% of your pre-retirement income.  During retirement you need the

Retirement Planning Pitfalls

There are simple facts about our economy that we ignore on a constant basis when planning for retirement. Our population is aging and growing at the same time, and even though we had a large young workforce that supported the generation before it, this will no longer be the case. There’s been a lot more

Insurance Products Should Not be a Four Letter Word When it Comes to Retirement Income Planning

The Wall Street Journal had a recent article that I think was detrimentally incomplete even taking into account that it is 1,000 words on a subject that can take years to master.  The article, “You Need a Plan to Boost Retirement Income” by Jeff D. Opdyke highlights three asset vehicles/classes that he thinks should take

Retirement is Likely to Be Different for Generations to Come

Center for a secure Retirement just released the results of a new survey titled, “Middle Income Boomers, Financial Security and the New Retirement” and the results while interesting don’t really seem all that shocking.  According to the study the key findings are (and my thoughts), Two-thirds (67%) of middle-income Boomers say their retirement will be