Financial News

Understanding Your Psychonomics Risk Could Change the Way You Invest

01/17/2017 11:00 AM

Every investor should have a financial profile that includes a risk-tolerance assessment, timeline goals and a retirement or estate strategy. It becomes the reference point for all your money decis...


Why Does Full Disclosure Seem So Elusive for Investors?

01/16/2017 11:00 AM

It’s really troubling in the information age an investor can’t seem to secure the true cost of their investments or consulting advice. Even when you Google—the front of all knowledge—most financial...


Elder Care Costs in Retirement

01/14/2017 11:00 AM

Elder care in retirement is the greatest economic threat to seniors. Medical expenses and long-term care costs can exceed $220,000 for a married couple during their golden years, and living longer ...


Take-Home Pay is the Net Effect of Retirement Income

01/13/2017 11:00 AM

The number-one concern of retirees is they may be outliving their money, but their number-one compliant is paying taxes during retirement. Focusing on taxes needs to be coordinated with the purchas...


Required Minimum Distributions on Qualified Retirement Plans

01/12/2017 11:00 AM

Most retirees don’t focus on required minimum distributions. Some don’t even know what RMDs are. Only a few seniors have a handle on them and are aware of the penalties for not complying with the l...


Real Income Advisors Are Rare in Retirement Management

01/11/2017 11:00 AM

Retirement income just not just triggering a lifetime annuity and just setting it and forgetting it. Portfolio income needs many investment positions to generate retirement income to age 100.


Can the Way Advisors Are Paid Cause Conflicts of Interests?

01/10/2017 11:00 AM

It is impossible to be in the advisory business, be altruistic and be profitable? Is there such an inherent conflict of interest between advisor and investor that the compensation models that exist...


If Returns Are Not Worth the Risk, Why Buy and Hold?

01/09/2017 11:00 AM

Many modern portfolio proponents use the risk-return theory of the efficient frontier to measure market returns against risk exposure. The goal is to optimize returns with the least amount of risk....


The Home Equity Conversion Program

01/07/2017 11:00 AM

More than ever, seniors in or near retirement are struggling to create a reasonable lifestyle in their golden years. Many have mortgages, short debt and family obligations, such as long-term care c...


Protect Your Retirement Lifestyle from Elder Events

01/06/2017 11:00 AM

Sooner or later most seniors will experience some type of morbidity or illness event during retirement. Some retirees live in single story homes, with limited or no steps at all. Walk-in bathtubs, ...


Social Security & Medicare in Retirement

01/05/2017 11:00 AM

You’re probably being pummeled with Medicare literature in the mail, but what’s really covered? The topic is overwhelming, thanks to the complicated coverage policies. Watch the interview with reti...


Tax Free Income from Cash Value Life Insurance

01/04/2017 11:00 AM

Depending upon your risk tolerance and the state of your health, you may want to consider TAMRA compliant cash value life insurance designed for accumulation and not necessarily as a death benefit....


Tax Free Retirement Income Sources

01/03/2017 11:00 AM

Most seniors and retirement advisers focus on qualified plan monies. But there are non-qualified monies that could make the difference between experiencing retirement prosperity or retirement pover...


Worldwide Government Debt & Pension Obligations Out of Control

01/02/2017 11:00 AM

The nations of the world continue to print money, expand their governments and obligate their taxpayers with debt they can’t repay. The world economy is so interconnected, that when the first domin...


Annuities: The Oldest Retirement Plan

12/31/2016 11:00 AM

August 14, 1935, the U.S. government created the Social Security Administration to manage America’s first national retirement plan. Social Security benefits are often compared to lifetime annuity i...


Retirement Planning Converts What-if’s into Should-do’s

12/30/2016 11:00 AM

Retirement planning is filled with variables and uncertainties. Skilled professionals can identify gaps between income and expenses, and use financial modeling to cite potential solutions. Watch th...


Foresight Beats Hindsight for Today’s Accountants

12/29/2016 11:00 AM

Today’s clients value knowing what should be done instead of what should’ve been done. Watch the interview with retirement specialist Larry Lerner.


Annuities Lead the Pursuit to Predictable Income

12/28/2016 11:00 AM

High concentrations in low-return bond allocations can spell portfolio stagnation. Retirees now realize that the traditional 4% safe withdrawal rate is less than 3%. Annuities offer relief, but the...


Portfolios’ Diversity Helps Resist Financial Adversity

12/27/2016 11:00 AM

A portfolio’s variety of holdings may not make it diverse. Multiple holdings within a similar sector can create an imbalance susceptible to declines in value. True diversification is characterized ...


Market Frustrations Inspire Being Your Own Bank

12/26/2016 11:00 AM

Investors are increasingly recognizing the benefits of ready cash sources over hoped-for market gains. Almost ironically, cash value life insurance policies are being purchased to benefit the livin...