Dick Cotton updated his earlier post on The Retirement Cafe on Floor-and-Upside strategies. The floor-and-upside strategy for financing retirement is sometimes referred to as “safety first” and derives from The Theory of Life-Cycle Saving and Investing. The basic idea behind floor-and-upside is that a retiree devotes some of her retirement funding assets to building a...Continue Reading

San Francisco, CA – February 1, 2018 – RetireOne®, the leading independent platform for fiduciary wealth managers seeking insurance-based retirement and wealth transfer solutions, announced the addition of long-time industry marketing veteran, Mark Forman. Mr. Forman will lead the marketing, digital experience and public relations functions for RetireOne. “Advisors demand solutions that deliver tangible client...Continue Reading

According to Dick Cotton in Retirement Cafe, one of the most common mistakes retirees make is looking at a good return on a nearly risk-free investment and concluding that they would do better in the stock market because it has a higher long-term average return. Long-term market return averages are interesting when an investment portfolio...Continue Reading

According to the latest Merrill Edge Report, many Americans feel uncertain or underestimate their magic number. 40% say reaching their magic number by retirement will be either difficult or virtually unattainable. Nearly 1 in 5 profess relying on luck. Read the full report.Continue Reading