A retirement plan should work for two lives and still have an answer for the life that continues after the first one ends. Here is what happens to Social Security, pensions, annuities, taxes, and Medicare when a spouse dies, and why these decisions have to be made while both spouses are still here.
The most important Social Security question isn’t when to claim. It’s what job Social Security needs to do in your retirement income plan, especially for married couples planning across two lifetimes.
You may have many of the pieces of a retirement plan. But having the pieces isn’t the same as having a plan, and nobody may have asked whether all of them are there. A look at who notices what’s missing, and why a written income plan is the place to start.
Stop asking whether an IUL is good or bad. The better question is what job the policy needs to do, who it fits, and how it should be funded and designed.
Living longer is part of retirement planning. But what happens if living longer also means needing care? A complete retirement plan should address both longevity and the potential cost of long-term care.
If you have spent any time preparing for retirement, you have probably heard some version of the same advice: make
Most people spend their working years focused on one retirement question: how much do I need to save? It is
Executive Benefits Series — Reward & Retain Your Best People (Part 6) Not every business needs an Executive Bonus Plan.
Executive Benefits Series — Reward & Retain Your Best People (Part 5) Most bonuses are gone within weeks. They’re spent,
Executive Benefits Series — Part 4 One of the greatest strengths of an Executive Bonus Plan is that the employee