Kevin Bard

Your Retirement Take-Home Pay

It’s Not What You Earn that Matters, It’s What You Keep For decades, your paycheck has come from your employer. FICA, FUTA, SUTA, federal and state taxes have been deducted. You learned to live on the net proceeds for years. But in retirement, many seniors will need to manage their taxes themselves or outsource them to a tax preparer. For most retirees, the biggest annual expense in retirement will be taxes. Watch the interview with Kevin Bard, Investment Advisor, Charter Federal Employee Benefit Consultant and author of “The Retirement Umbrella.” For the vast majority of American seniors, you’re down...

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How to Minimize the Worry Over Money in Retirement

Guaranteed lifetime income annuities have been misrepresented and misunderstood, so the misinformation has created of myriad of myths in the public eye that blinds them to the benefits of contractual guarantees. Watch the interview with Kevin Bard, Investment Advisor, Charter Federal Employee Benefit Consultant and author of “The Retirement Umbrella.” Guaranteed lifetime annuity income is only as good as the insurance company that issues the contract. So, it’s vital to not only review the ratings of the insurance company, but also its financial balance sheet with your financial advisor. Keep in mind many of the top insurance companies in...

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How Much Can You Afford to Lose in Retirement?

The Baby Boomers Can’t Afford Another Hit, Period Many seniors near or in retirement are paying advisors to risk their money for a commensurate return without ever understanding their own risk tolerance. Risk profiling is a significant characteristic of your overall financial profile. It’s part of your personal psychonomics. Without it, you’ll be driven by emotions and feelings, not facts and goals. Watch the interview with Kevin Bard, Investment Advisor, Charter Federal Employee Benefit Consultant and author of “The Retirement Umbrella.” Generally speaking, people have two serious misperceptions about the market: one, the rates of return they actually receive...

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Making Your Retirement Dream a Reality

Number-One Key to Fulfilling Your Retirement Dreams: Create Cash Flow Many seniors fantasize about going places, seeing people and doing things. Those are the three big goals many retirees have dreamed about for their golden years. But to accomplish those dreams, you need money beyond your annual domestic expenses and a couple of fully funded emergency accounts for unanticipated household repairs and medical bills. Watch the interview with Kevin Bard, Investment Advisor, Charter Federal Employee Benefit Consultant and author of “The Retirement Umbrella.” One of the most important pieces to the retirement puzzle is your standard of living. You...

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Number-One Fear in Retirement: Outliving Your Money

Living Longer in the Greatest Mortality Revolution in Modern Times The number-one fear in retirement is outliving your money. Market volatility, excessive withdrawal rates and the sequence of returns have all contributed to the fear factor among seniors outliving their money. But now these risks are exacerbated in light of the greatest mortality revolution in modern times. Watch the interview with Kevin Bard, Investment Advisor, Charter Federal Employee Benefit Consultant and author of “The Retirement Umbrella.” The fastest-growing segment of our population is age 65 and up. By 2030, according to the U.S. Census Bureau, 1 in 5 Americans...

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