annuity
Build the Floor First
The Income Floor Effect
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I've Seen Your Tax Return. Here's What Worries Me.
Every spring, I sit down with a stack of tax returns. My clients are mostly retirees or people within a few years of retirement. By now, I’ve reviewed enough 1099s and IRA statements to spot the patterns before I even get to the numbers. Most of my clients did
annuity
What Peace of Mind Is Actually Worth in Retirement
The hidden return nobody measures, and why it may be your most valuable asset
annuity
Why a 20% Drop Feels Different After the Paychecks Stop
The market didn't change. Your relationship to it did.
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The Most Dangerous Years of Retirement Are the Quiet Ones
Why the calmest stretch after you stop working often sets up the biggest pressure later
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Why I Use Fixed Index Annuities (And Why Most Criticism Misses the Point)
I read another “annuities are terrible” article today. The arguments were familiar: high fees, complexity, opportunity cost, and limited upside. And you know what? Some of that criticism is valid, but not for how I actually use Fixed Index Annuities (FIAs) with my clients. Here’s something important to establish