The Danger of Political Promises

We wish the next President the best and hope they do what they can to make America stronger and safer for not only next year, but for generations to come. At the same time, we realize that often what our political leaders say in public speeches and what becomes a reality are often too different […]

Declare Your Financial Independence

This summer, the Retirement Guys have had a major focus on the phrase “Be Free.” We’ve asked our clients, “what does ‘Be Free’ mean to you?” We supported the Wounded Warrior Softball Team in their visit to Toledo, and we also spoke about gaining financial independence at our Biannual Economic Summit. Summer will be winding […]

My Portfolio VS The Recent Market Downturn

The quick decline in the stock and bond market over the last few weeks has started to get the attention of many investors.  Are the recent declines in the stock and bond market normal?  The simple answer is yes. For a long time we have been recovering from the 2008 crash. Even recently the market […]

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Conservative, Moderate, Aggressive – What does it all mean?

I am sure at one point you have been asked the question, “Are you a conservative, moderate, or aggressive investor?” You might be thinking “I have a long investment time frame, I don’t want to be too aggressive with my retirement money …so I must be moderate!” Other times, when the markets head south, you might […]

4 Tips From Dear Ole’ Dad

Spring is almost over and another Father’s Day upon us. Here at The Retirement Guys, it’s important that we don’t forget lessons learned from the past — lessons on character, hard work, perseverance, patience, etc. Although it is ultimately up to us what kind of people we choose to be, our parents (especially our fathers) […]

Is Your Income In Retirement Protected Adequately?

We’ve been discussing in recent columns the importance of creating a written retirement income plan. Identify what is important in life and use the right investment tools to accomplish those goals by producing as much cash flow as possible. Stocks, bonds, mutual funds, annuities, bank products and alternatives such as real estate and precious metals […]

Have a Written Retirement Income Plan?

  What Tools Can You Use to Grow Your Money? If you think about your money and the idea of retirement, where can you put it to help you reach your goal? We ask folks this question as they come to us to form a retirement plan, and we get a variety of answers. Here […]

Today’s Retirement – History Repeats Itself

For years we have been talking about how things aren’t like they used to be.  That applies to numerous areas in life, like technology, healthcare, automobiles, and yes even retirement planning.  A number of these changes have made planning for life harder, but countless others have made planning, preparing, and enjoying retirement a great deal […]

Concerned About Outliving Your Income?

One of the biggest concerns a retiree has is outliving his or her income. In financial terms that is called a longevity risk. It can be hard for a family to figure out how much they will need to have saved up because we never know how long someone will live. No matter how many […]

Fool’s Gold

One thing I, Nolan, look forward to each year is a family vacation together.  This year, we decided to take a cruise to Alaska.  Basically no internet, no cell phones, no technology, just family time watching nature, playing card games, and spending time together.  It was a once in a lifetime trip. In planning out […]