Preparing for Recession During Retirement
The Fed raised interest rates again yesterday and expressed some concern over the direction of the economy after nearly a decade of...
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Variable Annuities Part 1.-The Worst Life Insurance Ever!
Back in the 1970's the NYSE traded 16-20 million shares per day (vs 4 billion today), certified financial planners were a new specialty,...
Volitility is Not Fake News
If you are like many retired Americans dependent entirely on investments to meet your living expenses, you need to ask yourself if the...
Safety: Instincts, Forecasts, Logic
From my perspective in December of 2007, 2008 would be problematic. I was approaching retirement. Real Estate prices had reached a peak...
Best of Times:Worst of Decisions
Some years ago I was just staring as a credit-auditor for a top-25 bank just after the S & L Collapse that brought on a real estate...
Credit Impairment: We're Not Talking Score!
Over the past 15 years there has been a substantial increase in recommendations for Non-Conventional Investments (NCI) for retirees and...
Wrap Fees: The 1% Dilution.
Wrap fees are the industry's method for monetizing inactive accounts. It is an annual fee intended to cover all account charges. Wrap...
Adviser Fee Reality: 1% Fees will cost you $1,000,000
Unfortunately, over twenty years or so, the $1 million cost for many is no exaggeration, much of it is hidden by rising markets and lost...
Dangerous Calculations
Many financial advisers and financial plans depend on the use of so called "Retirement Calculators" to forecast sustainable...
Are You Cannibalizing Your Assets?
If you currently receive monthly distributions from an equities portfolio or fund through an automatic withdrawal plan, chances are...
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