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Investors Pull More Retirement Cash Out of the Market

Jerome Golden, a financial adviser in New York specializing in retirement planning for boomers, cautions about an overly pessimistic outlook. “You will find that IRAs will become the largest component of retirement savings as 401(k) participants retire, or leave employment,” Golden told the NY Post this week.

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Who’s Doing What with QLACs Now

Jerry Golden, who created the world’s first guaranteed minimum income benefit rider while at Equitable Life in the late 1990s and sold a retirement income planning tool to MassMutual in the mid-2000s, has since launched a venture called Golden Retirement LLC. A beta version of its proprietary QLAC payout quote tool can be seen at go2income.com. “The QLAC is going to open up a lot of people’s eyes to the benefits of income annuities in general,” Golden told RIJ this week.

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Creating Your Retirement Vision

“Challenge yourself with at least one major activity you always wanted to do but never seemed to have time to do so,” said Jerry Golden, president of Golden Retirement Advisors.

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That Bland Annuity Notice May Be Anything But Routine

Jerry Golden, president of Golden Retirement Advisors, is credited with creating the first guaranteed minimum income benefit for a variable annuity when he worked at AXA in the mid-1990s. Today, as a registered investment adviser, he said he advised clients to consider buying fixed annuities over time to accomplish the same goal of guaranteeing income in retirement.

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Pennies and dollars add up to big retirement savings

Retirement expert, Jerry Golden, president of Golden Retirement Advisors, is the developer of Savings2Income, a website that offers information and tools to create plan for worry-free retirement.

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Retirement Planning: Single Retirees Save Much Less Than Married Ones

To find out how single retirees can bridge the divide, we asked retirement expert Jerry Golden, president of Golden Retirement Advisors and developer of retirement planning tool Savings2Income, for five tips that might help.

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How to Save for Retirement as Newlyweds

One of the best ways to begin saving what you need is to take full advantage of any employer-sponsored plans at work by maxing out personal contributions to any employer contributions, says Golden. What’s nice about doing this is that you’ll never even have the chance to spend this money. It will go directly to retirement savings.

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Worried About Outliving Your Money?

More people are opting for longevity insurance to fund retirement.
With pensions scarce these days, some are buying deferred income annuities that provide them with guaranteed income at a later date. The downside: you tie up money that you could be investing.

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Planning for Retirement: Where to Start

While it can be hard to visualize life post-working world, it’s important to realize retirement planning strategies will likely change in many ways over the course of time, says Jerome Golden, president of Golden Retirement Advisors, LLC.

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A Simple Money Move That Could Save Social Security

With many experts pointing to Social Security’s imminent collapse and politicians calling it a Ponzi scheme, millions of retirees and near-retirees now see their financial future in jeopardy. But what if there were a way to save Social Security? Would you take it?

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‘Decumulation is Like a Rubik’s Cube’

The push to create distribution planning tools actually started several years ago, but the financial crisis interrupted its progress. In the middle of the first decade of the new century, a team at MassMutual was using technology developed by Jerry Golden to create a tool that an advisor could use to move retired clients’ assets gradually from risky assets to a guaranteed life annuity.

According to Jack Sharry, chair of MMI’s Retirement Solutions Committee and an executive vice president at LifeYield, “What Jerry Golden was doing was called a Turnkey Asset Management Program. Or rather, it was the next step out from a TAMP.”

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Laddering annuities may get you better rates

How do you know when to start your annuity ladder and when to stop? MassMutual’s Jerry Golden suggests finding the halfway point between your age and your life expectancy. For a 65-year-old, that would mean buying the last annuity in 10 years.

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Annuity Industry Pioneer Jerry Golden at Work on his Latest Venture

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A Ladder of Annuities Can Hedge Your Bets

As for deciding how to stagger your ladder, there are no hard and fast rules. Jerry Golden, president of MassMutual’s Income Management Strategies division, says, “Generally speaking, you want to get to halfway between your age and your life expectancy.” He says, for example, a 65-year-old would want to complete the ladder in about ten years.

Also, consider buying products from several companies to spread your risk if one of the insurers goes under. States generally offer up to $100,000 in liability protection, although rules vary by state.

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