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Hound Dog

Hound Dogs and Retirement – Part 2

In our previous post, we discussed that when it comes to retirement planning, one way to eliminate the discomfort of what for many is a painful process is to make sure you have a plan in the first place. Most people don’t and instead focus their efforts are buying certain types of financial products. In...
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Hound Dog

Hound Dogs and Retirement Planning – Part 1

I recall the story of a man walking down a country road who hears the awful sound of an animal in pain. As he nears an old shack along the dirt road, he spies an older gent on the front porch, calmly rocking in a creaky old rocking chair. Beside him his hound dog raises...
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Investing Disaster

Investing – Is Your Discipline A Disaster?

As of the end of 4th quarter 2018, the markets and everyone in them experienced a beating. The past has a way of repeating itself and it certainly did in the market last fall. The bull market enjoyed for over nine years, which was and still is extremely overbought and in desperate need of a...
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Working Retirement

How to Have A Successful Working Retirement

Over the years of meeting with people to help them plan out their retirement strategy, you tend to see a little bit of everything. In the process, I’ve learned a few things that can benefit others. One of the things I’ve learned is that there are basically three types of retirees: Those who have a...
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401(k)

401(k) Tax Mistakes – Part 2

This is the second part of a two-part article on 401(k) Tax Mistakes  In the first part of this article on 401K mistakes (here), we discussed the fact that overdoing your 401k contributions can cause you tax troubles down the retirement road. Because this is not an obvious mistake, it tends to sneak up on...
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401(k)

401(k) Tax Mistakes – Part 1

This is the first of a two-part article on 401(k) Tax Mistakes. Have you ever heard the story of the frog that was tricked into climbing into a kettle of nice, cool water by a hungry foe? Unbeknown to the comfortable frog, the kettle he was lounging in was really on a stove. Slowly but...
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Retirement Nest

Hidden Pitfalls of IRAs and 401(k)s – Part 2

This is the second post of two on the Hidden Pitfalls of IRAs and 401(k)s. In our last post here, we discussed the penalties associated with withdrawing money early from either IRA’s or 401(k)’s. In this second post on this subject, we'll talk about another aspect of these plans that creates problems. The rules-based conditions...
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Retirement Nest

Hidden Pitfalls of IRAs and 401(k)s – Part 1

This is the first post of two on the Hidden Pitfalls of IRAs and 401(k)s. We hear a lot about them. In the world of retirement savings, the terms IRA and 401(k) are almost synonymous with the word retirement itself. According to ICI.org, as of the end of 2018 such accounts held over $16 trillion...
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Annuities

Annuities: Fact and Fiction

Putting together a successful retirement strategy that takes into consideration investments, taxes, income needs (including social security), medical/healthcare needs and estate planning is like fitting together the pieces of an intricate puzzle. The one major difference in this metaphor is when it comes to your retirement puzzle, some of the puzzle pieces are constantly changing!...
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Retirement Savings

Are You Saving Enough for Retirement? Probably Not!

There is a significant retirement savings gap going on in America. Where do you stand regarding retirement savings? According to this survey by the Transamerica Center for Retirement Studies, the median retirement savings by age in the U.S. is: Americans in their 20s: $16,000 Americans in their 30s: $45,000 Americans in their 40s: $63,000 Americans in...
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