Jerrygoldenretirement.com

Jerrygoldenretirement.com This website manages and personalizes retirement solutions that can help you move toward a secure retirement in a way that few other plans would even attempt.

My name is Jerry Golden, and I’m going to open with a pretty obvious statement: we live in uncertain economic times. Now I’ll add what might be a less obvious statement: all economic times are uncertain. Before I go on, I assume you’re wondering why you should care what I think at all. For the past 40 years I’ve been the President of several large divisions of several very large financial organi

zations. I’ve started several successful companies of my own. And all of my work has involved creating better ways to save and manage for retirement. I am a regular contributor to Kiplinger's, and a guest blogger for several sites relevant to baby boomers and seniors.

Right now, inflation is top of mind for everyone, including retirees. Inflation is important. But it is only one of the ...
12/03/2021

Right now, inflation is top of mind for everyone, including retirees. Inflation is important. But it is only one of the risks that retirees have to plan for and manage. And like the other risks, you can build a plan so that rising costs (both actual and feared) do not ruin your retirement plan. Inflation and Your Budget Remember that in retirement your budget is different than when you were working, and you will be impacted in different ways....

Inflation is a particular concern for retirees, but with the right plan, you can prepare yourself and your family for large and small increases.

Numbers necessarily rule our retirement decisions, and we usually have questions about them. At what age will we stop wo...
10/08/2021

Numbers necessarily rule our retirement decisions, and we usually have questions about them. At what age will we stop working full time? How long of a retirement should we plan for? What do today’s low interest rates mean to our future income? Can we count on a reasonable dividend yield from our stock portfolio? What percentage of our income should be guaranteed for life, like…...

No ordinary rule based on averages can replace the factors you need to consider when figuring out how much income your savings can generate.

An article in The New York Times, “How to Enjoy Retirement Without Going Broke,” is a reminder that experts — from Nobel...
09/20/2021

An article in The New York Times, “How to Enjoy Retirement Without Going Broke,” is a reminder that experts — from Nobel Prize winners to financial advisors — are challenged by planning for retirement income. It also showed that those who provide investment advice are stymied by this almost universal problem for a large part of the retiree market. On the academic side:...

Even experts in investment advice are stymied by the issue of how much money consumers should take from their savings. Jerry Golden solves the problem.

The news about the stock market has been wonderful for a lot of your retirement savings. The portion of your portfolio i...
08/30/2021

The news about the stock market has been wonderful for a lot of your retirement savings. The portion of your portfolio invested in the stock market has recovered from the thrashing the pandemic delivered and, if it followed the broad market, it has reached new highs. However, other aspects of the economy aren’t necessarily the most favorable for individuals entering or in retirement:...

Protect your future income even during market crashes or periods of low interest rates with an Income Allocation Plan designed by Jerry Golden.

I have some friends who developed a wonderful estate plan for their kids that involves the purchase of a large survivors...
06/28/2021

I have some friends who developed a wonderful estate plan for their kids that involves the purchase of a large survivorship life insurance policy. Because of lower interest rates the projected premiums on their policy have increased significantly, meaning the money they were putting into a 529 plan might have to be diverted. This raises a continuing question about future legacy vs....

As we live longer our retirement income gaps will become evern more glaring. You can address them with a thoughtful approach detailed here.

If you had an extra $20,000 per year in retirement, could you figure out how to spend it? Let me help. How to Spend $20,...
05/18/2021

If you had an extra $20,000 per year in retirement, could you figure out how to spend it? Let me help. How to Spend $20,000 Per Year Vacations A 12-day cruise for two from Venice, through the Greek Isles to Israel and back to Venice would cost less than $5,000. (You could go four times.) Start planning a five-day stay in San Francisco by booking two nonstop tickets from New York from about $550 to $750 apiece....

Would you like extra cash? Smart retirement income planning can change your life by provding more income for the rest of your retirement.

For two generations, people have been saving for retirement. Originally, indirectly by their employer; and then on their...
04/06/2021

For two generations, people have been saving for retirement. Originally, indirectly by their employer; and then on their own. After WWII, the middle class of the Silent Generation enjoyed a great economy and often also benefited from the company pension, which promised to guarantee secure income in the after-work years. Baby Boomers began to lose pensions as an employer benefit but gained the IRA and 401(k), which required them to save…...

Baby Boomers have saved trillions of dollars for retirement and can learn how to make a retirement plan that is better than a pension.

03/07/2021

Protected: Name Your Plan – Select Your Retirement Income and Your Legacy Target

You can have a plan that hits your goals but uses sophisticated planning, annuity payments and lower costs to fund your retirement.

02/12/2021

Protected: Study Says The Cost Of Retirement Has Tripled!

There is no excerpt because this is a protected post.

With Go2Income’s Planning, Lower Fees, and Lower Taxes, You Can Get All Three Our wish is for the New Year to bring less...
01/05/2021

With Go2Income’s Planning, Lower Fees, and Lower Taxes, You Can Get All Three Our wish is for the New Year to bring less chaos and disruption and more satisfaction, even as we acknowledge that many of those hoped-for gains will require new thinking and energetic approaches. Come with me as I examine some new thinking when it comes to your retirement finances....

Income Allocation allows you to design a plan for retirement that provides more spendable income, less risk and more financial legacy for heirs.

I want to reinvent retirement income planning for women. Women have a lot going against them — much more than men — when...
11/25/2020

I want to reinvent retirement income planning for women. Women have a lot going against them — much more than men — when it comes to creating enough income to last through their retirement years. Set out below is a list of some of the impediments women must overcome, along with solutions that will provide a satisfying retirement. Now, while all women face actuarial obstacles, i.e., longevity and caregiving, not all face the financially related issues....

Women have a lot going against them when it comes to creating enough income to last through their retirement years. Income Allocation planning can help.

A 50% Increase in Spendable Income is Possible Income Allocation Can Make It Happen Creating more spendable income in re...
11/25/2020

A 50% Increase in Spendable Income is Possible Income Allocation Can Make It Happen Creating more spendable income in retirement does not have to be risky. As you will see from the example below that I used in a webinar a few months back, shifting investments from taxable bonds to annuity payment contracts resulted in a large increase in spendable annual income for…...

Creating more spendable income in retirement does not have to be risky. an infographic shows how Income Allocation helps you create more spendable income.

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