Let’s assume that you’re completing a solid career, have earned a good income and through thrift and discipline, accumulated a significant nest egg for retirement.  Sounds good so far, right?  But as you approach retirement, the thought may occur to you: “I don’t really know how to convert this nest egg into retirement income when...

For most retirees, Social Security is an essential component of financial security.  It is estimated that Social Security benefits account for one-third of all retirement income each year.  Despite its significance, it appears that many retirees are not optimizing their benefits and losing out on substantial income over their lifetimes.  The Social Security claiming options are...

If you have been tuned-in to the financial press recently, you will have noticed a great deal of attention surrounding the concept of an inverted yield curve.  Why all the excitement and alarm?  While the topic can be quite complex, here is a quick primer. The Yield Curve:  This is an important metric to economists.  It...

The former World Series of Poker champion, and now corporate consultant, Annie Duke, has written a wonderful book on decision making titled “Thinking in Bets, Making Smarter Decisions When You Don’t Have All The Facts.” The book opens with a story that many football fans have said is the worst play call in Super Bowl...

It appears that concern over the retirement readiness of American workers has reached a point where both Houses of Congress are poised to pass new legislation with broad bipartisan support.  The House version of the legislation is called the SECURE Act and has twenty-six individual components impacting either an employer’s...