Changing Jobs?
Changing Jobs… Don’t move your 401-K plans into your new employer’s 401-K plans. Why? Reason… you can move it to a personal IRA plan with more options, better protection from…
Investing 101. The Truth, the Whole Truth and nothing but the Truth, so help me God.
Investing 101. The Truth, the Whole Truth and nothing but the Truth, so help me God.In 1973, at a university I attended, Economics 101, the first words out of the…
Dollar Cost Ravaging – Will You Run Out of Money During Retirement?
Dollar Cost Ravaging – Will You Run Out of Money During Retirement?For those that don’t know me, my name is Dave Gilliland, and I am a Certified Specialist with The…
Social Security Marriage Penalty
Social Security “Marriage Penalty”. You and your spouse are all set for retirement. You both are drawing or will draw Social Security Checks. Together, with additional 401-K plans, Thrift Saving…
Add Money to your Retirment income with Medicare Advantage Plans
Medicare Advantage PlansSome people love them; Some hate them; Doctor office hate them for the most part. But why?To understand how and why these Medicare Advantage Plans came into existence,…
Social Security Offset Plan
Social Security Offset Plan I am often asked, “what is a Social Security Offset Plan”? I always answer this question the same way. “You know how married couples lose Social…
Pension Maximization By the Numbers
So, you have a pension. That’s great news. In fact, it is probably worth more than most 401-K plans. How so? First of all, your monthly retirement income is payable…
Athene BCA Honored with Best FIA of the Year Award at SPi USA
In 1995, I began to focus on Retirement plans for consumers. At that time, we were in one of the biggest stock market booms. Remember, Bill Clinton was president. And…
The Market, it’s up and then it’s down
Ok, the market. It’s up and down.In 2022, the market lost almost 20%. In early 2023, it came back about 8% and then it lost 4%.To date, 2023, the market…
Retirement Poem “What the Hell”
I reached retirement and they said life would be swellThen gas went from $149 to $349, I said “What the Hell” Then I saw the cost of bacon go up like…
Historical Performance – Stock Market Returns
Whether you are looking at the stock market as a whole, Dow Jones Today (djia), the S&P 500 or any other number of “equity based” investments, you will find a…