Category: Retirement

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Investing

What if Retirement Plan Statements Stated the Facts?

The next time you open your 401(k) or IRA statement and see your current balance, it might be worth remembering it isn’t true. The balance,

September 21, 2016

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Investing

Guarantees Against Loss Not A Panacea… but maybe still valuable.

Jim Lorenzen, CFPÂ®, AIFÂ® Active managers can’t beat their indexes consistently. Who cares? During my 25+years of helping people navigate financial waters, I can honestly

August 31, 2016

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Retirement

Annuity Income May Contain a Hidden Surprise

Jim Lorenzen, CFPÂ®, AIFÂ® Annuity income may feel secure; but, is it really? Once you realize that money is worth only what it can purchase,

August 24, 2016

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Planning

Buying An Annuity? Keep it Simple!

Jim Lorenzen, CFPÂ®, AIFÂ® It isn’t uncommon for people to buy things they don’t need; and when it comes to annuities, it’s often no different,

August 17, 2016

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Retirement

Optimizing Retirement Income: Combine Actuarial Science with Investments.

You’ve probably heardabout “The 4% Rule” – it’s been an ‘accepted’ rule-of-thumb for years that a retiree could withdraw 4% of his or her initial

August 10, 2016

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Retirement

The 401K Failure

Are we in the midst of a 401(k) failure? Some time ago,PBS aired an excellent program on retirement and how the various generation, including baby

August 3, 2016

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Planning

HEALTH CARE COSTS MAY EAT HALF OF YOUR SOCIAL SECURITY INCOME

Jim Lorenzen, CFPÂ®, AIFÂ® The 2016 Retirement Health Care Costs Data Report recently released by Healthview Services found that health care costs are continuing to

July 27, 2016

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Planning

Pension Plan Retirement Options

Jim Lorenzen, CFPÂ®, AIFÂ® Choosing between pension options can be a difficult task. Choosing an option that guarantees your spouse pension benefits after your death

July 13, 2016

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Investing

Investment Returns Can Be Misleading.

Jim Lorenzen, CFPÂ®, AIFÂ® This sign represents the off-ramp many pre-retirees are seeking; but, there are usually many unforeseen detours before getting there; and, too

July 6, 2016

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Planning

Rollover Mistakes Could Be Irrevocable!

Jim Lorenzen, CFPÂ®, AIFÂ® According to Cerulli Associates, rollovers from 401(k)s and other retirement plans will cause IRA assets to reach $12 trillion by 2020,

June 29, 2016

Most Popular:

Bad Tax Planning begins when you believe your 401(k)/IRA statements.

DOGE Wants to “Streamline” Social Security – That will be interesting.

No Tax on Social Security Benefits?

Get Ready for Some Possible Tax Increases!

Bad Tax Planning begins when you believe your 401(k)/IRA statements.

February 18, 2025

If you have $500,000 in your 401(k) or IRA, it’s not really $500.000. That’s a tax planning mistake most people make going right out of the gate. If you’re married and filing jointly, it’s more likely you could have $325,000 (35% tax bracket) or just $315,000 (37% tax bracket).

DOGE Wants to “Streamline” Social Security – That will be interesting.

February 10, 2025

The three largest expenses in the federal budget are Social Security/Medicare, interest on the debt, and defense.

Category: Retirement

What if Retirement Plan Statements Stated the Facts?

Guarantees Against Loss Not A Panacea… but maybe still valuable.

Annuity Income May Contain a Hidden Surprise

Buying An Annuity? Keep it Simple!

Optimizing Retirement Income: Combine Actuarial Science with Investments.

The 401K Failure

HEALTH CARE COSTS MAY EAT HALF OF YOUR SOCIAL SECURITY INCOME

Pension Plan Retirement Options

Investment Returns Can Be Misleading.

Rollover Mistakes Could Be Irrevocable!

Most Popular:

Bad Tax Planning begins when you believe your 401(k)/IRA statements.

DOGE Wants to “Streamline” Social Security – That will be interesting.

No More Zero Interest Rates!

Get Ready for Some Possible Tax Increases!

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Jim's Money Blog

Bad Tax Planning begins when you believe your 401(k)/IRA statements.

DOGE Wants to “Streamline” Social Security – That will be interesting.