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Thriving or Surviving?

Moving ahead or Lagging Behind?



Retirement income planning involves many areas of life. Certainly the financial side is important. The personal side is just as essential for a successful result. The articles, videos and other information posted here are intended to help you recognize and understand the retirement income planning process. Please contact me with any comments, questions, suggestions. 


Thursday, August 9, 2018

You look at your portfolio one morning to discover several investments have dropped in value. Should you worry, dump the losers, hold steady? Depends.


Wednesday, August 8, 2018

Fixed income securities are vulnerable to several types of risks. Bonds are the most commonly used fixed income security. Fluctuations in interest rates affect bond principal and the interest produced. The relationship between a bond's...


Wednesday, August 1, 2018

Risks are all around us. Surrounding us each day. There are physical risks which harm us and cause physical pain. Financial risks don't physically hurt us but are still painful. Some financial risk is loud and startling. A sudden drop...


Tuesday, July 31, 2018

There is more misunderstanding and wrong ideas surrounding annuities than any other financial or insurance product. Most people have formed their opinion and beliefs from TV, magazines, a friend, the internet and many other...


Friday, July 27, 2018

I’m asked why the difference in financial planning while working and retirement planning. Many reasons. The three most important are time, uncertainty and flexibility. During your working life you are living in an expanding world...


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Friday, July 27, 2018

I never realized the vital importance of end-of life planning until 3 years ago. My sister called me on my cell in the middle of the day. I knew there was a big problem. Mother had a massive stroke. She was in the hospital in a coma....


Thursday, July 26, 2018

Over your working life time you will earn and receive a certain amount of money. This is your gross earnings. You choose when to spend your money.


Thursday, July 26, 2018

Of course not. You will hear many opinions about carrying debt. There is the camp which says all debt is bad. There is the good debt-bad debt argument. I think of debt as useful or wasteful. Credit runs most companies large and small....


Thursday, July 26, 2018

Over a lifetime a person may spend $250K or more on vehicles. Easily done in this era of $65,000 cars, SUVs and trucks. Even a good used sedan is $30,000. This money spent on transportation is not allocated to savings and investment....