The Decline of Pensions Leads to Greater Reliance on IRAs and 401(k)s

Pension Plan

Over the last several decades, there’s been a gradual decline of pension plan availability in the United States. There was a time when people worked longer and collected less in overall pension benefits due to shorter life expectancies. Pension benefits paid over 5 or 10 years to a loyal employee who put in 30 years of service didn’t… Read More


Is the Fed Really “Stealing from Savers”?

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Geoff Considine

In a recent article on MarketWatch, Chris Martenson asserts that the Fed’s low interest rate policy and quantitative easing in recent years is deliberately stealing from savers. This article has elicited a big response, with almost 800 comments and almost 2000 likes on Facebook. The key point of the article is that the Fed’s policy… Read More


How Much Do You Need to Save for Retirement?

Geoff Considine

In the financial advisory business, one of the most pressing and controversial topics is how much money people need to save during their working years in order to provide for long-term retirement income.  The research on this topic has evolved quite a lot in recent years, and a recent issue of Money magazine features a… Read More


60-Second Retirement Savings and Income Checkup

Geoff Considine

I think that the American public has largely tuned out the myriad studies showing that most households are woefully under-saving for retirement.  Even if we’d prefer not to think about this issue, however, it is crucial to regularly check on how we are doing.  There are two major questions.  First, during your working years, are… Read More


One Advisor’s Approach to Income Investing

John Graves

Editor’s Note:  John Graves has been an independent financial advisor for 26 years. He is one of the two owners of The Renaissance Group, a Registered Investment Advisor based in Ventura, CA.  John’s book, The 7% Solution: You Can Afford  a Comfortable Retirement, was published in 2012.  When I read this book, I was impressed… Read More


New Tax Deductions and Limits for 2012

Craig Guillot

With the start of 2012, there are a number of new tax laws and adjustments. From higher tax bracket thresholds and standard deductions, you’ll have some positive and negative changes to your taxes this year. Higher federal income tax-bracket thresholds A number of tax changes in 2012 have been due to standard inflation-related adjustments. First,… Read More


The Disappearing Retirement

Geoff Considine

Well-known financial columnist Robert Powell has a recent article in MarketWatch titled, “Retirement in America is ‘Endangered.” The motivation for this piece, he writes, is that retirement preparedness is a crucially important topic that was missed in the recent State of The Union address by President Obama. Powell goes on to list the key problems… Read More