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Retirement Planning.

How To Protect Your Retirement Income

October 2nd, 2018

Those that have worked hard and saved for retirement deserve to enjoy their  golden years without having to worry about outliving  their  savings. With growing inflation, high life expectancy and low yield on stocks, deploying strategies and tactics that will produce constant growth and hedge against market risks are critical in retirement. Here are five […]

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5 Ways To Create Basic Retirement Income Streams

September 16th, 2018

Americans are living longer than ever, which is mostly great news for retirees and those nearing retirement. This means you’ll have more time to enjoy your grandchildren, help your community or travel the world. The downside is that many retirees are faced with the problem of outliving their savings. There’s no shortage of how-to articles […]

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Failing to Plan is Planning to Fail

June 9th, 2018

Retirement is the end goal for most of us. It’s even in our minds in the beginning of our lives. From the first interview with that company to getting your first real paycheck, we can’t help but think, “What about that pension?” or “How much of my new paycheck will I put in my IRA?” […]

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5 Retirement Expenses Most People Overlook

June 5th, 2018

We are inclined to think that in retirement our spending will decrease. While we will indeed see a decrease in spending, there are also expenses that can easily go up in retirement. Studies have shown that most people will need about 80% of their pre-retirement income to live comfortably in retirement. The 80% rule of […]

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Six Changes to Social Security in 2018

April 9th, 2018

There are no radical changes to social security in 2018. There are, however, some minor amendments to the existing rules. Here are some of the changes that are taking place: Full Retirement Age Increases The full retirement age for social security benefits for Americans born before 1954 remains at 66 years while those born after […]

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5 Steps for Turning Your Retirement Savings into Retirement Income

December 6th, 2017

Turning retirement savings into disposable income is critical to people nearing retirement. We are all accustomed to building nest eggs but what we do with these savings once we retire will play a crucial role in whether or not we are able to meet our financial obligations in retirement. According to Government Accountability Office (GAO), […]

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Top 4 Reasons To Avoid Probate

November 14th, 2017

Many people have been told to avoid probate. But what exactly does that mean? And how do you keep your heirs from having to go through probate? Probate is a legal process for transferring assets to the heirs. According to LegalZoom, probate costs American families about $2 billion a year (more than $1 billion of […]

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3 Ways to Avoid Probate in the Golden State

October 30th, 2017

Setting up an estate plan ensures that your wishes are followed and that your heirs are taken care of after your passing. Save your family from hassle and unnecessary legal fees by taking steps to protect your estate. Unless you’re an attorney, there’s nothing good about probate. Briefly, probate is a legal process where the […]

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5 Common Mistakes When Naming Life Insurance Beneficiaries

October 5th, 2017

Naming who will get the insurance proceeds after you die sounds simple, but mistakes are surprisingly common. Failing to properly name beneficiaries could lead to life insurance money being paid to non-intended beneficiaries or results in a costly legal battle for your family. One thing you don’t want to do is create a problem for […]

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Social Security Filing Options: How You Can Maximize Your Benefits

August 23rd, 2017

Social Security Filing Options: How You Can Maximize Your Benefits There are many things in life that should be simple. For example, receiving what you worked for. Although it shouldn’t be, the social security filing process is complicated. In 2015 Congress made some changes to social security laws to cover some of the loopholes in […]

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