Jerry Golden on Retirement

Where does lifetime guaranteed income come from?

December 7, 2016 By Jerry Golden in Annuity, Social Security Tags: Annuities, Guaranteed Income, Pensions, retirement income, Social Security

“Guaranteed income for life” is a powerful phrase. It conveys a promise of a specific level of cash deposited monthly into your bank account – for the rest of your life. It’s not dependent on market results or swings in interest rates. And that income can continue to be received by a spouse once you’re gone or, in some cases, go to a separate beneficiary.

But while each method of acquiring guaranteed lifetime income – Social Security, a defined benefit pension, and an income annuity — has a different source, everyone planning for retirement can create plans based on one, two or all three of these reliable and irreplaceable sources of money.

How is it possible to guarantee a monthly paycheck for life? More

Consumer Reports on the benefits of income annuities

December 2, 2016 By Jerry Golden in Annuity Tags: Annuities, Guaranteed Income, retirement income

More and more members of the financial establishment are discovering income annuities and their benefits.

Consumer Reports wrote an article late last month about the “The New Rules of Retirement Planning.” In that article, they offered a quiz to have readers find out what they really knew about retirement planning. The quiz – which I recommend to my followers – contains three questions about income annuities. I thought they did a good job of explaining what income annuities are and how they operate.

As the quiz stated in one of its answers, income annuities are the closest you can get to a company pension, which guarantees you a check every month for the rest of your life. More

Thanks for family, friends and a secure future

November 22, 2016 By Jerry Golden in Annuity, Social Security Tags: Annuities, investment advisor, retirement income, Social Security, Thanksgiving

We don’t normally praise government programs and financial systems when we sit down to Thanksgiving dinner, but I thought it would be good to list the things about retirement security that deserve our praise, along with a side dish of what we can wish for in improvements.

In that spirit, here is a list of what we should all be thankful for this season (in addition to the bounty of our loving families).

We can give thanks for:

Predicting the issues of post-election retirement security

November 18, 2016 By Jerry Golden in Annuity, Reverse mortgage, Social Security Tags: Annuities, presidential election, retirement income, Social Security

Last week, I discussed the problems of certain predictive models, like predicting the next president or the success of your retirement. Whatever those limitations, you now have to live through your retirement with a totally unexpected president.

While you may be getting your fill on post-election analysis, let me quickly address some of the economic and policy decisions that could affect your retirement.

While we are starting to get a few clues about what Donald Trump’s policies might bring, particularly for retirement finances, it’s early in the process. Not surprisingly, a move toward more retirement security More

New Release of Go2Income

November 15, 2016 By Jerry Golden in Annuity, Social Security Tags: Annuities, Go2Income, retirement income, Social Security

We’re pleased to announce a new release of Go2Income, the website that helps consumers decide whether income annuities should be part of their retirement planning. We have heard from visitors — both consumers and financial writers — that the site offers the most helpful information on income annuities in a low-pressure and clear way.

What’s New?

Here are the most important changes we made:

Choice of Annuity Companies: Go2Income now offers income annuities from more than 25 insurance companies rated “A” or better, providing you the opportunity to choose from among the strongest firms in the country.
More Annuity Quotes Returned: When you enter your request for a competitive quote into Go2Income, it will now reveal the three companies that offer the best rates for your situation.
Improved What-If Tools: Our market-based pricing, which helps you design your income annuity choices in Steps 1 and 2, has been realigned to better match current market conditions.
More Retirement Tips: We have provided easy access to my most recent blogs at Jerry Golden on Retirement so visitors can see what I’m saying about income annuities, Social Security, and other retirement matters.

Visit Go2Income now to research your income annuity options, and request an appointment for a telephone or in-person conversation with a Go2Income specialist.