Photo from 123rf Your Retirement Alarm Clock Is Ticking: Do You Have a Plan? PUBLISHED AUGUST 7, 2019 at 06:47:31 AM EDT By Jeremy Mellberg, Investment Adviser Representative, Founder, Ocotillo Wealth Management, Kiplinger US NewsArticle   Remember when employers used to hand out gold watches and generous pensions to workers when they retired? Those traditions are fading fast.…

Alternatives to Long-Term Care Insurance PUBLISHED JULY 26, 2019 By Rodney Brooks US NewsArticle   A LONG-TERM CARE insurance policy can help you financially prepare for a time when you might not be able to take care of your own basic needs, including eating, bathing and dressing. Among people turning 65 today, approximately 70% are expected…

Is Life Insurance An Investment? PUBLISHED JULY 9, 2019 By Steve Parrish Contributor  Forbes Article   At a meeting of financial advisors, I was recently asked, “do you actually think life insurance is an investment?” My inquisitor was making more of a statement than asking a question, so she was surprised by my answer: “I can tell…

 5 Reasons a 401(k) May Be the Worst Account to Have in Retirement PUBLISHED AUGUST 21, 2019 By   MICHAEL REESE, CFP® | Centennial Advisors LLC Kiplinger Article   Just about every financial expert I know advises savers to contribute to their company’s 401(k) plan — at least enough to receive the employer’s matching contribution. I can’t argue any…

Photo from 123rf 7 ways that an interest rate cut from the Fed impacts retirees PUBLISHED AUGUST 1, 2019 By SARAH FOSTER Bankrate Article   Borrowers may celebrate a Federal Reserve rate cut, but it just might put many retirees in a pinch. The U.S. central bank on Wednesday reduced borrowing costs for the first time…