The other day when talking with some peers at a group function in New York, someone asked a pretty simple but intriguing question: “As a business owner, what really keeps you up at night?” It was interesting to listen to the variety of answers coming from this very capable group of...

In a previous blog post (Converting Your Retirement Nest Egg to Income), I argued that higher income individuals must juggle a far more complex and unique set of variables in retirement than they faced in their working years, if they hope to be as efficient as possible with their accumulated...

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...