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Still think the old wisdom of the 4% safe withdrawal rule will work for you? Check out this article from JP Morgan and see why using guaranteed income and taking more risk with your remaining assets may be the smart way for your own retirement income strategy. Pay for income and Invest for Growth.

JPMorgan: Don't Withdraw More Than This Much from Your Retirement Accounts JPMorgan Chase says ongoing inflation and an outlook for sharply lower returns for investors means that retirees should toss the long-standing 4% rule. That's the rule that says retirees can safely draw down their savings by 4% per year without … Continue reading → The post JPMorgan Says You Can...

Are you planning ahead for a successful, happy life after work?

8 Ways to Achieve a Happy Retirement Follow these steps to find purpose and retire happy.

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Economist: ‘Retirement for most people is financial suicide’ Laurence Kotlikoff, author of “Money Magic: An Economist's Secrets to More Money, Less Risk, and a Better Life," shares his advice for retirement planning.

You might want to lock in life insurance premiums now, before they increase.

https://www.forbes.com/sites/bobcarlson/2022/01/17/act-now-to-avoid-higher-life-insurance-rates/?sh=47b2498e1fe8

Act Now To Avoid Higher Life Insurance Rates The pandemic decreased life expectancy, and life insurers are reacting.

When looking at , you're probably familiar with the saying, "It's not timing the market that's important, it's time IN the market."

Did you know that holds true with your life insurance too?

Why You Should Opt For Life Insurance At A Young Age You are young and carefree today, but as you grow older, your responsibilities will grow. That is a certainty. If you have children, you will have to provide for their education, your retirement as well as care for aging parents. That too, is a certainty. Keeping inflation and the improbabilities

Is this you? It doesn't have to be!

https://cloud.xxiadvisors.pennmutual.com/FS_agersbach

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More and more people are starting to understand the benefits of balancing whole life insurance and investment accounts for retirement income strategies... when positioned correctly, the two powers compliment each other.

Investing and insurance are not the same powers, and shouldn't be viewed as "one over the other" or a "better" option.

Whole Life Insurance Can Bolster Your Retirement Portfolio. Here’s How to Use It. A growing number of researchers say whole life insurance, a form of permanent life insurance that builds cash value, can buttress investment portfolios and even boost retirement income if used correctly.

Are you on track? Here's a quick list. How do you stack up?

10 Signs You’re Not Saving Enough for Retirement Find out what you should do to have enough money to retire.

Tips from one of the leaders in the Retirement Income Generation space. Great information about transitioning from saving to and spending from retirement accounts.

https://tomhegna.com/blog/dont-retire-without-one?fbclid=IwAR1vXhvzX4euGqKYjGClmvfdG134CYUYyeRAoDfKmGKPmWHdfF8ljl7JWbk

Don't Retire Without One This research shows exactly WHY you need to include annuities in retirement planning and WHAT they can do for you. It's all about retirement ALPHA!

How do you appropriately use this oft-misunderstood financial tool? Is it right for your situation? Don't just take my word for it...
https://tomhegna.com/blog/three-tax-advantages-of-life-insurance?fbclid=IwAR1Ab_2I-iYGhXqLhBhX3SWS3Tp7wHYS7mzKLin6O4ZPg3rphQn0znFPxVA

Three Tax Advantages of Life Insurance If taxation risk is a concern your client has, show them these three ways that a permanent life insurance policy can provide tax advantaged income.

Great info about causes of "forced early retirement" from Tom Hegna.

I'm Going to Work Until I Die "Work for pay" is a common source of income for many retirement plans, but let me share the facts behind this suboptimal strategy.

Why should you choose to focus your retirement planning and saving on retirement income and not only growth? Check out this quick video...

The Retirement Savings Dilemma This is "The Retirement Savings Dilemma" by WBC on Vimeo, the home for high quality videos and the people who love them.

Be advised!

Opinion: Seniors who rely on dividend income may be in for some lean times Dividend cuts are adding to retirees’ pain

Where are taxes going? This author thinks:

"The lesson? Look for the current fiscal stimulus in the United States to lead to higher taxes in the future, perhaps as soon as 2021."

Why deficits matter as much as ever Imagine paying off your mortgage with phony dollar bills and you can get a sense of how profitable it is to monetize a public debt.

Updated PPP Loan Forgiveness Rules

SBA officially updates PPP forgiveness rules loosening restrictions on loan recipients The SBA amended its rules for loan recipients seeking forgiveness in order to be consistent with the changes passed by Congress earlier this month.

Do you have a healthy savings account right now from your stimulus $, tax refund, "extra" unemployment benefits, or simply because you've not been able to spend as usual? You're not alone....

Bottom line, don't expect to earn significant interest from your bank's savings account. If you need a better place to save, I can point you in the right direction.

U.S. banks are 'swimming in money' as deposits increase by $2 trillion amid the coronavirus The wall of money flowing into banks has no precedent in history: in April alone, deposits grew by $865 billion, more than the previous record for an entire year.

Is this where you find yourself? Some good tips.

What To Do If You Lose Your 401(k) Employer Match | Bankrate Lost your 401(k) match? Then it may be time to reassess your financial picture.

Interesting take away:

"Basing one's stock allocation on age can be a useful tool for retirement planning by encouraging investors to slowly reduce risk over time. However, at a time when adults are living longer and getting fewer rewards from “safe” investments, it might be time to adjust the “100 minus your age” guideline and take more risk with retirement funds."

If these are the types of articles and resources you're looking up, we should talk.

Is 100 Minus Your Age Outdated? Find out more about the longstanding rule of thumb that says that your stock allocation should equal 100 minus your age.

Don't just take my word for it ...

The Secret to a Happier Retirement: Friends, Neighbors and a Fixed Annuity After four decades in the work force, the oldest of the baby boomers will call it quits over the next few years. Today's question: How can these folks improve their odds of a happy retirement?

"Brokerage firm TD Ameritrade said in a report released Thursday morning that seven in 10 Americans expect their retirement plans to take a hit from the Covid-19 outbreak."

Americans expect to delay their retirement because of Covid-19 Although stocks have surged from their March lows, many investors still worry if they'll be able to put enough money away for retirement.

Nice read about the importance of "time in the market", not "timing the market!"

https://retirementresearcher.com/occams-cant-time-markets/

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