Retirement

Worried senior couple checking their bills at home

Retirement Investing Shock: $1 Million Is No Longer Enough

Recently, Bloomberg highlighted a research report on retirement investing that found a large percentage of relatively affluent Americans believe it will take “a miracle” for them to be able to stop working and retire. Part of me was shocked, but the other part understood those feelings on retirement investing. The Bloomberg article sourced a 2021 […]

Hand putting Coins in glass jar with retro alarm clock  for time to money saving for retirement concept

Which Annuity Is Best for You?

When it comes to guarantees, don’t assume anything! A guarantee is a promise or assurance. While a written contractual guarantee strengthens your legal position, it’s only as solid as the person, government, company, insurer and court system standing behind it. In our article “How Good Is Your Comfortable Retirement Guarantee?”, I assumed some investments were guaranteed, […]

What Retirees Need To Unlearn To Retire Comfortably

What Retirees Need To Unlearn To Retire Comfortably

I was failing and didn’t understand why. In 1970, I started my career as an adult educator. My classes were predominantly male. That quickly changed in 1972 with the passage of the Equal Rights Amendment; my clients rightfully complied with the law. My historically excellent course critiques were tanking. The tipping point was when a […]

Turn Any Stock into a Source of Steady Income

Turn Any Stock into a Source of Steady Income

My email inbox regularly fills with questions about how to reach a certain level of monthly retirement income. The notes typically come from retired or nearly-retired individuals who realize their retirement savings at the financial advisor-recommended 4% annual withdrawal rate will not produce the amount of income wanted or needed. I want to share one […]

One-Stock Retirement vs. Diversification

One-Stock Retirement vs. Diversification

One-stock retirement. Those three words can stop you in your tracks, right? Is it a scam? A gimmick? Is it just click-bait? Well, not exactly.  Over the years, several financial advisors floated this idea and once in a while it gets some traction.  The concept suggests that investing modestly in just one stock could be […]