A Different Kind of Diversification Pays Off for Retirees

From: www.kiplinger.com

Retirement savers can get more income with less volatility using income allocation instead of asset allocation.

Before you take the leap into retirement, you want to feel completely confident that your money will last. It’s natural to want to be sure you have enough saved, but rather than focusing on savings, you should be looking at how you’re going to create income…

Why Do Investors Focus on the Wrong Things?

From: www.behaviouralinvestment.com

“Nothing in life is as important as you think it is while you are thinking about it.” – Daniel Kahneman

Which major investment issue were you thinking about on March 11th 2016?* You probably can’t remember even though, at the time, it seemed incredibly important. Whilst most of us should be investing for the long-term, markets conspire against us; lurching from one…

Top Fixed Index Annuity Benefits

From: www.american-equity.com

How a combination of powerful annuity benefits can keep you on track for retirement planning success. We look at five top index annuity benefits: principal protection, tax deferral, liquidity, guaranteed income and beneficiary payments.

n a relay race, the strength of the group is greater than the sum of the individual athletes’ abilities. For each leg of a relay race, one team member uses their…

How to track down unclaimed assets

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

You’ve worked hard for what you’ve earned, but are you missing out on something? Whether you switched employers a few years ago and left behind a 401(k) or simply lost track of a savings account or some inherited property, take advantage of online resources to find what’s rightfully yours. 

Search by type.

Not sure where to start? First, Google…

What to know about equity compensation

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

It’s become increasingly common for companies to offer equity, or company stock, as a way to attract and retain quality talent. This compensation option could be high-risk since you’re likely forgoing secure, predictable cash income in exchange for a presumption on the future value of that company stock.

However, if the company takes off and becomes highly profitable,…

Strategies To Minimize Or Delay Required Minimum Distribution (RMD) Obligations

From: www.kitces.com

The benefit of contributing to pre-tax retirement accounts like IRAs and 401(k) plans is the opportunity to receive an upfront tax deduction, and enjoy the growth that remains tax-deferred as long as the investments remain in the retirement account. For those accumulating towards retirement, this provides additional tax-deferred compounding growth that can help bridge the gap towards retirement itself. With…