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Annuity: When Is It A Good Solution

There has never been a financial product that was more misunderstood, misrepresented, or over-sold than an annuity. I am the first to admit that annuities have drawbacks (e.g. fees, surrender charges, and limited growth potential). That being said, I firmly believe that annuities can be a great fit for many retirees. Let me share an …View Article

Prenuptial Agreement – 5 Required Elements

Two of my good friends have gotten divorced in the past year. One breakup went relatively smoothly and the other was more of a “scorched earth” situation. Neither of these friends had prenuptial agreements, which would have made the process simpler and less painful for all parties involved. I was heartened to share with these …View Article

What I Learned at Amazon’s Fulfillment Center

This past week, I had the opportunity to tour one of Amazon’s fulfillment centers. This article is different from those I typically write each week because it doesn’t contain any financial planning or investment tips. However, I wanted to share how the nation’s largest online retailer is able to quickly and efficiently fulfill orders for …View Article

Sequence of Return Risk

Most analytical people love spreadsheets…myself included. Personally, I would put Microsoft Excel on my list of top 10 inventions of all time. However, spreadsheets are dangerously inadequate when it comes to creating a financial plan. The problem with this type of “traditional” planning is it assumes that annual investment returns are a constant number, such …View Article

Living Trusts: Who is Your Trustee?

Most people spend a lot of time thinking about the details of their wills or living trusts (except for Prince). Most of the deliberation is, “Who should get how much, and when?” A second consideration is, “Who should I leave in charge of carrying out my wishes?” The person who carries out your wishes is …View Article

529 Plans for Your Grandkids

I have written quite a bit about 529 plans, including this post: 529 Plan FAQs. However, I was intrigued this week by an article I read that made the point that more Americans are giving the gift of college, setting 529 plan records. Many 529 plans saw double digit increases in gift contributions during this …View Article

How Americans Spend and Borrow

Most people are familiar with the saying “A picture is worth a thousand words.” I feel that way about charts and graphs. Today, I wanted to share a couple I thought you might find interesting. These charts may not make you a better investor, but you will look well informed at your next cocktail party. …View Article

Capital Gains Taxes – How to Pay Less

It has been a national pastime to complain about taxes. In fact 45% of Americans feel that their taxes are too high, even though only 56% of Americans pay any federal income tax. It is not my intention to convince you that taxes are too high or too low. However, I have noticed that many …View Article

Finding Ideal Retirement Jobs

Last week, I wrote about retirees’ attitudes toward working in retirement and starting “encore” careers. The bottom line was they really enjoyed continuing to work in some capacity, according to a survey of 7,000 such retirees. Furthermore, money was not the main motivator. So, the next question is how do you find ideal retirement jobs? …View Article

Retirement Jobs: Do you want to keep working?

I’m not trying to convince retirees to go back to work. In fact, I love telling clients that they can retire and direct their energy toward leisure and their bucket list. That being said, it turns out that many retirees love working in retirement. Approximately 1/3 of the Uber and Lyft drivers I’ve had the …View Article