Index To Retirement Planning Content

Discover more about retirement planning today, start with some content in this section then check out educational opportunities we have available? If what you thought was the best way to plan for retirement? Turned out not to be, when would you want to know? If you did realize that what you were doing was not the best way, would you do something about it?

Municipal Bond? Safe or Sham?

State College, PA – It has happened again!  Investors depending on municipal bonds for a secure retirement should be concerned.  For the second time in three years, the Security and Exchange Commission has slapped another state with securities fraud.  Recently, the SEC charged Illinois with misleading its municipal bond investors. In a press release, the […]

College Potential Not Promise

I was reading an article recently talking about reinventing college planning. This newly compiled data offers some interesting talking points or conversational topics. It’s estimated that by 2020, 65% of all jobs will require a post secondary education. They argue that having fewer degrees threatens our global competitiveness. I really can’t speak to that out […]

Income – Reverse Engineerin​g

A recent article talked about how a multiplier of eight times your income is the approximate size of the nest egg one would need in order to retire comfortably. In our planning process we prefer not to pull numbers out of the air. Is eight the right number? It may be or may not be. […]

Long-Term Care Planning: Logic or Emotional Paradigm?

Lewisburg, PA – When we get right down to the nitty-gritty of planning for this particular issue we consistently find it is the toughest question to answer, should one have a plan for LTC? What makes this issue ultimately so difficult to decide is that we do not know until the final analysis if care […]

What is the “New View” of Retirement?

State College, PA – Many of us today get all caught up in everyday living that we don’t put much priority on looking ahead into our “Golden Years” of retirement. We can no longer plan like our parents and grandparents. – It’s important to determine the amount of money that you will need in retirement […]

Money Market or Market Returns…Sh​ould You Know??

For those in your fifties or sixties, think back to your first job when you entered the work force.  I still remember how ecstatic I was when I landed that summer job at an amusement park that paid me $1.50 per hour.  Back in 1980, the minimum wage was pegged at $3.10 per hour.  So, […]

Your Worst Financial Mistake

Have you ever given thought to what might have been your worst financial mistake? For many, the answer does not become apparent until hindsight arrives. Regrettably, many baby boomers and their parents admit that their worst financial mistake was doing it alone, and not working with a trained and experienced financial advisor. When I first […]

Hey Brother, Can You Spare a Dime?

Does it make sense to rely on CD’s for your retirement? Looking at inflation and monetary policy of the past, it’s not a good idea! But yet I see this 1980’s era retirement plan all the time. Back in 1981, a one-year Certificate of Deposit might have paid 15%. Not any longer, that’s for sure. […]

Medicare Enrollment

I hope this finds you well! I have had a number of inquiries about Medicare recently. At the bottom you will find a link to a short video where we outlined the Medicare plan and the enrollment time frames, as well as penalties that can be avoided.

Should I stay or should I go???

General Motors retirees, they will have until July 20, 2012, to make the big decision!

That’s the deadline, just a little over five weeks away, when more than 40,000 General Motors supervisory and white-collar retirees will be forced to make what could be the most important financial decision of their lives. Should they accept GM’s offer of a lump-sum “buy-out” of their monthly pension checks and thus possibly receive the biggest check they’ll ever get? Or should they continue to receive a monthly pension check when GM transfers their retirement plan to a private group annuity from Prudential?

The Gift That Keeps on Giving

The holiday season is upon us, which means gift shopping, visiting family members and planning for end of the year events. It’s easy to get caught up in the holiday mayhem year after year, and before you know it too many years could pass while you put off planning for your financial future.

We live in a fast-paced, high-energy society that is constantly on the move and always looking for shortcuts. As a result, certain aspects of our lives are often put on hold until a more convenient time when life isn’t so hectic. The fact of the matter is that life is always busy and sometimes we have to force ourselves to pay attention and take care of the important things now, so that we won’t pay the price down the road.

Traditional IRA…A Permanent Tax Lien

If you were a farmer…and you have a choices: one is to pay tax on your seed in the spring, and receive a tax free harvest. The other option would be to get a tax deduction on your spring seed, and receive a taxable harvest. Which would you choose? The same concept would apply to your […]

Income For Life Retirement Planning

Income planning is the area that is most requested by individuals that are seeking financial planning help today. As a financial professional I’ve observed this area has the least amount of understanding. The distribution of the estates it’s not something the financial services industry finds paramount, rather the accumulation and collection of assets in the focus. The […]

Pension Maximization Strategy

PMS, a strategy that can be employed by a pre retiree when activating a employer defined benefit plan, more commonly known as a pension. The concept: there are multiple pay out choices available to the retiree. One choice maybe for a straight life payout compared to a spousal benefit residual pay out. A straight life […]

What’s Your End Game?

I often get the deer in headlight stare when I ask that question. My father was a taskmaster my whole life….to the point of annoyance as a young person. The main lessons I have gleaned from his “get r done” attitude, do not give me excuses, personally if you are going to pursue a task; […]