So for this final issue of the series we are going to focus on some changes that you can make to better live out your golden years.   Rethinking Your Lifestyle The lifestyle you want and the lifestyle your income can support might be two different things. Before you panic, it’s important to realize that … Read more

So for part five of this series we are going to focus on a permanent stream of income that will never run out specifically Fixed Indexed Annuities or FIA for short.   Preserving Income with an Annuity A question and concern that is often raised especially for the baby boomer generation is what if I … Read more

Using Life Insurance to Supplement Income One thing that people are not aware of it that life insurance is a tool the wealthy utilize to create additional wealth.  Using the right life insurance policy can drastically improve the amount of income you have available to you during your retirement. It’s one of the least known … Read more

We will now dive a bit deeper into the subject matter of getting the most from social security.    Getting the Most Out of Social Security When you first begin working and you see money subtracted from your paycheck for Social Security taxes, it can feel pretty painful. But when you reach retirement age and … Read more

We will now dive a bit deeper into how to preserve my income in retirement years.  It would seem most of what is going to be taught in this post is common sense but you’d be surprised at how little people have knowledge of these concepts.      Four Steps to Creating a Postretirement Budget … Read more

One of the questions I receive is how do I preserve my income in my retirement years?  Here is a brief overview of my answer. Five Ways to Preserve Your Income One of the most important steps you can take to secure a safe, comfortable retirement is to find a way to generate a sustainable … Read more

Here is part three of the series on how to navigate the financial waters of a committed relationship.   Plan for your retirement The question I get asked most often in terms of financial planning is how should couples plan for retirement together? (And most commonly, when?) We have a very simple answer to that question … Read more

Here is part two of the series on how to navigate the financial waters of a committed relationship. 3. Know what works for you Should couples combine finances? There is no single answer to this one. I’ve seen couples who’ve been married 30+ years and keep everything separate. I’ve also met lots of couples who … Read more

So often I get questions about how to navigate the financial waters of a committed relationship.  Here is some information to that end that I hope helps navigate those waters.   How should couples start the conversation about shared financial goals? Start with the question – “What’s your first memory of money?” It’s amazing to … Read more