How Safe is Your Money?

The Top Three Custodians of Retirement Funds are Wall Street, Banks, and Insurance Companies. Wall Street offers the greatest level of uncertainty. There is no Federal Bail-Out when you lose your Retirement Savings. Currently retirees and pre-retirees are...
The Annuity Puzzle – Richard Thaler

The Annuity Puzzle – Richard Thaler

THALER’S CLASSIC PAPER FROM 2012 IMAGINE a set of 65-year-old identical twins who plan to retire this summer after long careers. We’ll call them Dave and Ron. They have worked for different employers and have accumulated retirement benefits worth the...

How to access your 401K prior to 59 1/2 without penalty

HOW CAN I GET ACCESS TO MY 410K? I get this question regularly. It reminds us again how restrictive these accounts can be! The government controls your money, telling you when you can access it, and placing huge restrictions on its use. Early withdrawals from 401(k)...

Seven Reasons your 401(k) is Riskier than You Think

“Max out your 401(k)” is one of the most common pieces of popular financial advice. Of course, it’s “for your own good,” we are told. But is it really? Today we expose the very real risks of a 401(k), and what you can do to decrease them. Our aim is to help you reduce...

This Response Says it All…

Simon Black, edited Waterloo and the end of Napoleon On the evening of June 18, 1815, in the Belgian hamlet of Mont-Saint-Jean, nearly 70,000 troops under the command of the Duke of Wellington, alongside 50,000 allied Prussian soldiers, fought against the French...

How to never run out of money

  Jeff Woodard Jan 4, 2021  HOW TO NEVER RUN OUT OF MONEY IN RETIREMENT – EVEN IF YOU LIVE TO 120 Jeff Woodard, ed. August 29, 2021 “Those who fail to learn from history are condemned to repeat it.” Henry retired on New Year’s Eve 1999. As an investment banker on...