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Cash Flow

Where Would You Put Your Cash?

Watch this video on YouTube The COVID-19 virus. The drop in the stock market. The presidential elections. Alarmist news reports and “expert” predictions about the economic impacts of each. No wonder investors are feeling fearful. When our brains perceive...

Higher Life Expectancy, Lower IRA RMD’s

Watch this video on YouTube If you are over 72 and own an IRA, 401(k), 403(b), or TSP, you may be on the receiving end of a gift from the President. In 2018 he issued an Executive Order on “Strengthening Retirement Security in America.” One of the...

Immediate Annuities For Retirement Plans

Watch this video on YouTube Recently, a life insurance agent wrote me about my railings against the SECURE Act now allowing annuities in 401(k) plans. He politely—and accurately—noted my “unfavorable opinion towards annuities (and by extension insurance sales...

Emotionally Shift from Saving to Spending

  Nearly 40 years of financial planning experience has taught me that retirement is one of the most impactful emotional transitions in life. As you face the shift from earning a paycheck to relying on sources other than work for your income, it is normal for...

Where Will Your Retirement Money Come From?

Watch this video on YouTube When you retire, where will your money come from? The list is fairly short: Social Security, a pension, working, your assets, children, or public assistance. According to an April 22, 2019 Bloomberg article by Suzanne Woolley, entitled...

Have Your Investing Cake and Eat It Too?

Watch this video on YouTube “You can’t have your cake and eat it too.” As sensible adults, we understand cognitively the truth of this old adage. If there’s a piece of cake on my plate, and I eat it all today, I won’t have any cake left...