by Tom Neeser | Mar 3, 2023 | Blog, financial planning, Personal Finance, Retirement Alternatives
“Cross your fingers and hope for the best.” Unfortunately, this seems to be one of the most popular retirement strategies around – and as you can imagine – it is a disaster waiting to happen. If you want to have a plan that is predictable, guaranteed, and grows...
by Tom Neeser | Jul 21, 2020 | financial planning, Lifestyle planning, Retirement Alternatives
401(k)s haven’t always been around. It all started when Congress passed the Revenue Act of 1978, which include a provision in the tax code – section 401(k) that allowed taxpayers a break on deferred income. The code basically went unused...
by Tom Neeser | May 5, 2020 | financial planning, Retirement Alternatives
The past several weeks have been surreal as our schedules, routines, and lives have been upended by the COVID-19 pandemic. Adding to the health scare, is economic uncertainty, with many losing 20% – 30% or more of retirement savings. The question now is exactly...
by Tom Neeser | Aug 15, 2019 | financial planning, Life Insurance, Retirement Alternatives
The stock market hit new highs in July, spurred by the first interest rate cut in more than a decade, and buoyed by key economic markers; unemployment and inflation are low, and housing starts are steady. Yesterday, the market tumbled 800 points and had the worst day...
by Tom Neeser | Jul 25, 2019 | Retirement Alternatives
“You’re not getting old; you’re getting ready.” -Ernestine Shepherd, the world’s oldest female competitive bodybuilder. The CDC calculates that overall life expectancy in the U.S. is presently 78.7 years, with women outliving men by an average of 5 years or 81 years...
by Tom Neeser | Nov 20, 2018 | financial planning, Investing, Life Insurance, Retirement Alternatives, Whole Life Insurance
One of the biggest fears people have is running out of money in retirement. And for many Americans, this is a very real risk, not an irrational phobia. If you are a reasonably healthy 65-year-old non-smoker, actuarial tables estimate you’re likely to live to age 86,...
