Liquidity Archives - Jerry Golden on Retirement

How All-Assets Planning Offers a Better Retirement

December 20, 2025 By Jerry Golden in Annuity Tags: all-asset planning, HECM, income, Income annuities, Legacy, Liquidity, QLAC, retirement savings

Special Advance Announcement

Go2Income announces a breakthrough IRA4Income design that integrates housing wealth and lifetime annuities into your retirement plan. Our average plan delivers 7% in starting income, increasing to age 85, plus liquid savings to cover large late-in-retirement expenses. Personalized plans available on January 5, 2026.

The net worth of retirees over the past three decades has tilted steadily toward housing wealth.

A study by the Federal Reserve shows that the share of net worth in primary residences among households headed by people ages 60 to 69 rose from roughly 40% in 1989 to just over 50% by 2022. For those aged 70 to 79, the share climbed from about 38% to 50% over the same period.

Ideally, the retirement industry would look for solutions that allow retirees to take full advantage of their housing wealth with plans that incorporate all their assets. We know that the wheels of change grind slowly. The big financial advising companies have to explore new ideas carefully.

For a Richer Retirement, Follow These Five Golden Rules

July 23, 2025 By Jerry Golden in Annuity Tags: IRA4Income, Jerry Golden, Liquidity, QLAC, retirement income, Retirement Planning

These Golden Rules of Retirement Planning, developed by a financial pro with many years of experience, can help you build a plan that delivers increased income and liquid savings while also reducing risk.

I’ve worked in the financial services business for my entire career, during which I’ve received two patents and brought product innovations to market.

Over the past two decades, most of my focus has been on retirement — first products and then planning. With this product background and with the virtual elimination of retiree pensions, I strongly believe you should start the retirement planning process knowing how much income (and liquid savings) your retirement savings can produce.

Home-Based Planning to Address Long-Term Care Costs

July 30, 2024 By Jerry Golden in Annuity Tags: HECM, income, Legacy, Liquidity, Long-term care costs, QLAC

Traditional planning for the cost of long-term care (LTC) doesn’t reflect the realities of what the costs are and where they’ll be paid from.

We’re living longer in retirement, and more of us want to age in place rather than sell the family home. A recent policy paper by AARP listed the goals of the age-in-place population:

Ensure access to affordable, high-quality long-term services and supports (LTSS) that maximizes the dignity, independence, and protection of older adults
Create age-friendly, livable communities that enable people to age in place, and continue as engaged members of their communities
Support family caregivers
Provide ample opportunities to generate, save, and preserve financial resources

Those goals all seem reasonable and smart. Our focus is around # 4 — and about planning to preserve resources while meeting retiree objectives.

Let’s start with costs.