retirement savings 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.

A QLAC Does So Much More Than Simply Defer Taxes

June 15, 2025 By Jerry Golden in Annuity Tags: Annuities, Jerry Golden, QLAC, retirement savings

Here are the multiple ways you can use a QLAC, from managing retirement risks to creating income for specific retirement needs and wants.

Perhaps you’ve heard of QLACs and want to learn more about how you might incorporate one into your plan for retirement income, but you feel like you don’t have quite enough information.

No wonder.

A well-written and thoughtful op-ed in the New York Times about reducing risk in retirement did mention annuities, but to my chagrin, it didn’t bring up the value of QLACs, despite:

Government endorsement of QLACs’ significant retirement benefits
A competitive QLAC marketplace, with top-rated insurance carriers
Flexible planning software that can show you how to integrate a QLAC into your retirement plans
QLAC rates are at an all-time high ─ for a new retiree, an average of 80% better than three years ago

Check out the rates for yourself by visiting our QLAC Calculator.

How to Grow Your IRA in Retirement Rather Than Spend It Down

February 1, 2025 By Jerry Golden in Annuity Tags: IRA, ira2income, QLAC, retirement income, Retirement Planning, retirement savings

You really can defer RMDs and lower taxes while at the same time increasing the long-term growth of your IRA. Here’s how.

Almost everyone has an IRA, 401(k) or similar retirement savings account. The purpose is to have that money available when you stop working. But what if you don’t need it right away?

This question was prompted by readers who want to know how to create options with the income from their IRA to minimize taxes and maximize liquidity — rather than merely taking the required minimum distributions (RMDs) each year. Their primary goals are about longer-term liquidity and legacy, instead of just income.

The Retiree’s Trilemma: More Spendable Income, Less Risk, or More Legacy?

January 4, 2021 By Jerry Golden in Income Allocation Tags: Annuities, financial legacy, financial risk, Income annuities, inheritance for family, retirement income, retirement savings

With Go2Income’s Planning, Lower Fees, and Lower Taxes, You Can Get All Three

Our wish is for the New Year to bring less chaos and disruption and more satisfaction, even as we acknowledge that many of those hoped-for gains will require new thinking and energetic approaches.

Come with me as I examine some new thinking when it comes to your retirement finances.

For a long time, it was thought that an encyclopedia could not at once be authoritative, comprehensive and current. At least one of the three important qualities had to give.

How to Turn Your Retirement Savings into Retirement Income

November 20, 2020 By Jerry Golden in Income Allocation Tags: annuity payments, Income allocation, retirement advisors, retirement income, retirement savings

Your retirement income plan starts here with a primer on Income Allocation planning, my method of creating a reliable stream of income big enough and steady enough to last you through retirement.

I have been working a long time on retirement planning that creates more and safer income for retirees. So long, in fact, that I sometimes forget the subject is new to most investors. They get much of their financial information from their advisers — who often simply treat these investors as “de-accumulators.” Another way to describe their message is, “Invest like you did when you were 55, only more conservatively.” In my opinion, that is not helpful guidance.