Jennifer Lang
Financial advice to help you build and protect wealth in a volatile market.
financial planning
Beware Medicare Doesn't Cover Everything
A recent study from Fidelity estimated that the average 65 year old married couple would need about $280,000 in savings to cover out-of-pocket costs, including Medicare deductibles, copays, prescription drugs, Medicare premiums, dental and vision care.
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5 Ways You Can Maximize Your Social Security Benefits
Clearly, Social Security is not sufficient income for most of us by itself to fund an acceptable retirement lifestyle. But there are some things you can do to boost your monthly payout.
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Are You Financially Stable?
Introducing the FInancial STability (FIST®) index. Simply answer a few easy questions and you will be able to get an instant snapshot of your financial risk exposure in these four areas: retirement, protection, liquidity and debt management.
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Can You Afford to Ignore This Retirement Risk?
Chronic Illness Is a Major Problem for Senior Adults. Are you protected?
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What is an Annuity Free Withdrawal?
One of the chief criticisms of annuities is their relative lack of liquidity. This is true in some respects. Annuity owners give up complete liquidity in exchange for other benefits, including insurer guarantees for lifetime income, guaranteed growth, or protection from downside risk. Many annuities now come with guaranteed income riders that can be turned off and on while letting you still access at least some principal. And most contracts do offer something called "free withdrawals."
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How To Shield Up To 25% Of Your 401k or IRA From RMDs
The SECURE Act brings the most sweeping changes to the U.S. retirement system in a decade. Because of that, there is bound to be some confusion about what the act actually does and how it might affect people’s own retirement standard of living. Let's go over QLACs.
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