It's common to find retirees who are asset rich and cash poor.  You may own some of these assets named below that don't produce much or any income … [Read more...]

Let's first state three fundamental principles and then add the details. 1.      Start retirement with sufficient retirement savings 2.      … [Read more...]

Financial planning prior to retirement is focused on asset accumulation, tax minimization and maintaining a budget that allows for maximum savings.   … [Read more...]

The biggest problem early retirees face is failure to change spending habits when they retire early.  I worked with a couple who provides an example.  … [Read more...]

Let's work up the ladder of rates that you can get from guaranteed retirement income sources. We skip treasury securities because bank deposits pay … [Read more...]