Posts By: Jeremy Kisner

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Weekly Insight: Should Retirees Keep Their Life Insurance

Often retirees own life insurance that they bought many years ago when their needs were different. The purpose of most life insurance policies is to make sure your family will be okay if you are no longer around to earn a paycheck. So, now that you have burned your business…

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Weekly Insight: Self Driving Cars

The idea of a self-driving (autonomous) car is just about as old as cars themselves.  However, advances in radar, laser light, GPS, odometry, and computer vision are going to make self-driving cars a reality sooner than most people think.  Currently, the versions of automated cars permitted on public roads are not fully autonomous. They…

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Weekly Insight: Investing for Retirement Income

Priorities change as we progress through different phases of life, and investment objectives are no exception. We grow up conditioned to look at “rate of return” as the main measurement of investment performance. However, the amount and sustainability of income distributed from a portfolio is more important for most retirees….

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Weekly Insight: The Sustainable Withdrawal Rate

Occasionally, I teach a retirement planning course at local community colleges. I pose this scenario to the attendees: Consider an investor with two accounts that each average an 8% rate of return over a 25-year period. Account (A) had good years in the beginning and poor results at the end….

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Weekly Insight: FAQs Regarding Retirement Planning (Part 2)

This week we continue our list of most frequently asked retirement planning questions. Check out FAQs Regarding Retirement Planning (Part 1) if you missed it last week. How should I change my investments when I am getting close to retirement? The idea that you need to invest more conservatively once…

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Weekly Insight: FAQs Regarding Retirement Planning (Part 1)

A couple of years ago, we wrote an article called The Best Is Yet to Come, which explained why retirees are happier and more content than younger folks. One factor fueling retiree happiness is financial security. To that end, we help people plan for retirement so they will not have…

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Weekly Insight: FAQs on the Mortgage Interest Deduction

I was listening to a recent interview of six different economists on NPR. The topic was which tax and spending policies were good or bad for America. Two things shocked me: That six economists could agree on anything, and..   The one thing they agreed on was that the home…

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Weekly Insight: How Much Debt Is Too Much

One of the big personal finance stories of the past week is that American households once again have approximately as much debt as they did before the financial crisis. However, when you read past the headlines, you can see that personal balance sheets are much stronger than they were (on…

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Weekly Insight: Latest Research on Reverse Mortgages

It has been over 2 ½ years since I wrote this article on Reverse Mortgages. Recently, I am getting lots of questions about reverse mortgages, even from clients with significant investment portfolios. In other words, the RM is not necessarily a tool of last resort. The first thing to understand…