Current Issue

• July 2009  Create and Optimize Your Retirement Income
  
  It's a fact of life that, unlike our parents' generation who could depend on a monthly pension supplemented by Social Security, most individuals retiring today don't receive a pension. Consequently, although no small task, we must create, manage, and protect our own retirement income plans.

Previous Issues

• May 2009  Long-Term Care Insurance -- It's Not About You
  
  When you receive your long-term care insurance premium renewal notice, remember that if you ever need care over a period of years, your life is not going to end -- someone else's will. It's about consequences to your family.
  
  
• March 2009  Timing the Stock Market May Be Hazardous to Your Wealth
  
  While it is certainly possible that the stock market will decline further before it finally bottoms out, remember that timing the stock market may be hazardous to your wealth.
  
  
• January 2009  How Much Should You Withdraw From Your IRA In 2009?
  
  On December 23, 2008, while many of us were doing last-minute Christmas shopping, President Bush signed H.R. 7327, the "Worker Retiree and Employer Recovery Act of 2008" AKA the Pension Act.
  
  
• November 2008    Super-Size Your IRA

In the world of investments, there is a hierarchy of tax-favored investment vehicles. Although it currently doesn't exist, and probably never will, the ideal investment vehicle would include each of the following six income tax attributes...

• September 2008    "I've Died and Gone to Financial Planning Heaven!"

The million dollar question:  Do you have a secure and protected paperless system in place whereby you have instant access to, and you are able to view, all of your personal and family financial information organized in one location no matter where you are, whenever you want

• July 2008    Celebrate Your Financial Independence!

With the 4th of July upon us, can you think of a better time to celebrate your financial independence?

• May 2008   Are You Building Tax-Favored Distribution Assets^TM?
  
  One of the key steps in planning for your financial independence is determining the size of the Distribution Asset Nest Egg™ (“DANE”) that you, and your spouse, if married, will need on a specified date to fund your projected financial needs for the rest of your life (lives) without having to work another day after your targeted financial independence date.
  
  
• February 2008   Those Who Plan Don't Panic 
  
  The one thing in common in all market downturns is:  Those who plan don't panic. 
  
  
• October 2007  Life Planning Your Financial Independence
  
  Have you discussed your life dreams and personal goals, aside from your money goals, with your financial advisor? Has your advisor worked with you to design and implement a life plan to enable you to achieve your most heartfelt aspirations, purpose, and meaning in life? If not, welcome to life planning!   
   
• June 2007  Do You Have an Investment Policy Statement?
  
  What system do you have in place for managing your investments? Does it include a written investment plan that considers your current situation, your requirements and goals, and your recommended investment strategy? Is it aligned with your Financial Independence Plan? 
             
• February 2007   Planning, Managing, and Protecting Your Financial Independence
  
  What is financial independence? Why is that, according to an often-cited U.S. Department of Health & Human Services study, 95% of us will not achieve it by age 65? How do the "lucky" 5% of the U.S. poplulation manage to beat the odds?
  
  
• September 2006   Bush Signs Pension Protection Act of 2006
  
  On August 17, 2006, President Bush signed the Pension Protection Act (PPA) of 2006. The main purpose of the 900-plus page bill is to strengthen traditional pension plans.

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