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FED to taper QE, what does this mean for retirees and those approaching retirement?

  Federal Reserve Chair Ben Bernanke just recently announced that they Federal Reserve (FED) will taper its quantitative easing (asset purchasing) stimulus program.  This announcement sent the markets into a tailspin, dropping significantly at the end of last week.  With this announcement, the FED said the reasoning is that their signs that economy is strengthening  Click to Continue


10 Year Yield is on the Rise, but it will be a Bump Ride

“Yields will go up as the economy recovers,” Stephen Cecchetti, economic adviser and head of the monetary and economic department at the BIS in Basel, Switzerland, told reporters on a conference call on May 31. “The ride to normality will almost surely be bumpy, with yields going through calm and volatile periods.”   The 10 year  Click to Continue


Building Retirement Income for Life

 A recent article from US & World Report discusses the way to plan for income in retirement.  Once you have properly prepared for your retirement, meaning you have evaluated your savings, your expenses, and your needed income you are ready to get your plan on track.  The key is to align your guaranteed income level  Click to Continue


Retiring on CDs is Not Even an Option

With the current low CD rates and the extremely low rates on other savings tools, many retirees could find themselves running out of money before they run out of time.  The fear of running out of money in retirement is the number 1 fear of most retirees.     Recent studies have found that the  Click to Continue


Stoked on Stockton Bankruptcy or Income Riders to the Rescue?

They say that bankruptcy is when you go from a credit rating to a credit rotting. So it is with the city of Stockton in California which is headed to bankruptcy court. I recently helped an advisor in Santa Monica with a portfolio of Municipal Bonds that included several California General Obligation Bonds. She had  Click to Continue


Are we all Closet Indexers Now?

We are all Keynesians now is a phrase attributed to Richard Nixon as he embarked on a massive increase in public spending prior to being shamed out of office in 1974.  Nixon is more remembered for the travesty of Watergate, ending the Vietnam War, and opening the door to China (which will probably surpass the  Click to Continue


Is the Biggest Government Takeover Yet Around the Corner?

During this past Easter weekend, I was reminded of the old Proverb “Half a loaf is better than none”. That was first said by a federal employee going out to play golf at noon. It is hard to believe that less than a decade ago, we were talking about partial privatization of the Social Security  Click to Continue