Category Archives: Regular Blog

Yesterday the Social Security Administration announced the COLA for 2017 of a puny .3%. That means the average “gross” Social Security check will go up by about $5 a month. Most of my clients checks would rise by $11-12 monthly. To get a fuller understanding of this and many of the other changes in Social Security for the coming year you can read an article in TheStreet.com. Myself, along with other authors of books about Social Security book were quoted a few times for the article. … Continue reading

A lot of folks mistakenly believe that I only work high income people who aren’t retired yet and/or millionaire retirees. Or that I might limit my clientele to those near or already in retirement. It’s true that all of those types of people make up a good percentage of my clientele. But I have a number of clients in their 30’s and 40’s who are serious about planning for retirement.  And of course, many of my other clients are Baby-Boomers … Continue reading

In my BLOG post a few weeks ago, I wrote about how the University of Michigan is loaning head football coach Jim Harbaugh $5 million this year and $2 million a year that he remains the head coach there in order to buy life insurance. Most of us are never going to get an opportunity like that. That’s almost better than winning the e lottery. After you are finished with this video and information, you can read that full BLOG … Continue reading

Here are a few paragraphs from my newest book about the 4% retirement withdrawal “rule” and something called “Sequence of Returns Risk”. But before you read them, watch this 60 second video, OK? “In 1994, financial planner, William Bengen developed the 4% rule. It quickly became the guiding “formula” used by both professional advisors and do-it-yourselfers for about 2 decades. The 4% rule (or theory) says that at retirement, with a portfolio of 60% stocks and 40% bonds, one could … Continue reading

I’ve taken this “slide” from my new workshop based on my newest book (I hope to record it and put it on the website someday soon). I hope that you find it very educational. You probably know that over the long haul, the stock market has experienced average double digits gains, but most of us don’t retire for 60-100 years. Most of us are only retired for about 30 years. Going back over 117 years you see what are called secular bull … Continue reading