retirement

Jeff Rose, CFP® | January 16, 2024

Explore the lesser-known world of 401(a) retirement plans, a close cousin of the more familiar 401(k), designed mainly for government and educational employees. Learn about contributions, investments, survivor benefits, and rollover rules to make informed decisions about securing your financial future through these specialized plans.

Jeff Rose, CFP® | September 04, 2023

I’ll never forget the conference call I had with a client who was getting ready to retire from the company she had worked for 20-plus years. She had saved as much as life had allowed her to, and most was invested in the stock of the company which employed her all that time. Almost Pulled […]

Jeff Rose, CFP® | August 27, 2023

2023 study conducted by the Bureau of Labor Statistics (BLS) followed the employment history of individuals born between 1957 and 1964 up to the age of 52. The data revealed a trend towards fewer job changes as people get older. On average, individuals switched jobs 5.7 times between the ages of 18 and 24. However, […]

Jeff Rose, CFP® | October 10, 2023

Life insurance isn’t just for young families; individuals over 60 or even 70 have various reasons to consider term life insurance. From pension protection to safeguarding a new spouse in a second marriage, this article explores why seniors should not overlook the importance of life insurance, with sample quotes and options tailored to their specific needs.

Jeff Rose, CFP® | September 10, 2023

By investing heavily in your work-sponsored 401(k) account, adding to your savings with an IRA and/or brokerage account, minimizing debt, and watching your pennies all along, you can set yourself up for retirement success.

Jeff Rose, CFP® | October 18, 2023

Tax rates for married couples filing jointly are much more generous than what they are for a single person. This can be a problem in retirement when one spouse dies and the other has a sudden increase in their tax liability.

Jeff Rose, CFP® | October 23, 2023

When parents put their own retirement savings last, everyone suffers. Here are four reasons parents should fund their retirement BEFORE they consider helping their adult children with money.

Jeff Rose, CFP® | August 29, 2023

You just sold a piece of real estate, and reaped a seven-figure windfall; good “problem”, right? But how do you invest that kind of money in a way that will make it last for the rest of your life? That’s the question that a recent reader posed: “I have close to $1.5 million in cash […]

Jeff Rose, CFP® | January 19, 2024

Annuities get a lot of press, both good and bad. What it really comes down to is that while annuities aren’t recommended investments for everybody, they can be exactly what’s needed for certain investors.

Jeff Rose, CFP® | September 25, 2023

Dive into the world of variable annuities, investment contracts designed for long-term investors seeking potential returns from the stock and bond markets. Explore their unique features, benefits like tax deferral and guaranteed death benefits, while also considering the risks and fees involved in these complex investments.

Jeff Rose, CFP® | October 06, 2023

Discover the power of a Guaranteed Withdrawal Benefit Rider for your annuity, giving you the flexibility to access lump sum funds while securing lifetime income benefits. Dive into the details of how these riders work, their variations, and the associated fees to make informed decisions about enhancing your financial strategy.

Jeff Rose, CFP® | October 23, 2023

Explore 11 annuity riders that can enhance your financial security and address concerns with annuities. Discover options like guaranteed withdrawal benefits, lifetime income benefits, and riders for long-term care, ensuring you make informed choices to suit your needs and preferences.

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