For some reason, people automatically assume they need to get more conservative in their portfolio when they retire. It’s probably because they read it in a financial magazine somewhere that says all retirees should do it. But, times have changed.   Read More

Whether your goal is retirement in 3 years, a new car in 5 years, or college education in eighteen years, in order to reach your goal a savings/investment plan has to have four distinct yet interrelated factors, each of which contributes to the success or failure of your plan.    Read More

Retiring from ones employment can be a stressful time but it doesn’t have to be. Realize that it’s natural to be nervous, anxious and/or confused when you’re going through a major life change. Your decision to retire is causing you to step outside your comfort zone and is forcing you to make many new decisions and learn new things.    Read More

When I hear the word protection, I believe that what you really want to know is how to grow and manage your nest egg so it can generate a steady stream of income in the future.    Read More

For most people limiting their withdrawals to only interest, dividends or capital gains isn’t realistic because most people don’t hold investments that only go up in value.   Read More

It’s never too early or too late to start saving for retirement. Time is your friend. It can work for you or against you. It’s your choice. Choose wisely.    Read More

Each company has their own 401k plan document which contains its own set of rules that normally allow for the suspension, reduction, increase or termination of matching contributions. Companies include this clause to protect themselves from having to make contributions when profits are slim and to reward employees when profits are abundant.   Read More

Each time we have a bad market, the media pundits starts saying “it’s different this time” and we all buy into it. The reality is they’re partly right because the circumstances surrounding each drop are rarely the same. However, I attended a conference and was shown how in each of the last 12 bear markets since the Great Depression, the decline IS actually the same.    Read More

I plan on retiring in 15 years (at age 60) and currently have 85% of my money in stocks. I’ve been maxing out my 401(K) since I was 21, and in the last year, I have seen some frightening drops in my funds. Should I be making any kind of changes to prevent more losses?    Read More

I’m turning 60 next year.  While I don’t want to continue working full-time anymore, I don’t have the desire (or nest egg) to retire completely.  What do you suggest?     Read More