The Silent Killer That Everyone Forgets About When Planning for Retirement

May 12, 2016 by admin | Leave a Comment

Are you wondering what this “silent killer” of happy retirements across America (and even the world)? Well, I’m sure you have heard of it. It’s not your investment return.  I’m not even talking about market drops. It’s something that eats away are your retirement finances like termites munching on your home. It’s something that makes your expenses loom larger than Read More >>

Categories: Basic Retirement Planning, Torrid Tech Talk

A New Opening For Annuities

November 18, 2014 by Miji Pearse | Leave a Comment

A New Opening For Annuities Straight from the IRS:: Under the new IRS guidance, a target date fund may include annuities allowing payments, beginning either immediately after retirement or at a later time, as part of its fixed income investments, even if the funds containing the annuities are limited to employees over a specified age.  The guidance makes clear that Read More >>

Categories: Advanced Retirement Planning, Basic Retirement Planning, Business Advice, Financial Advisors, Retirement News
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IRS, Treasury Support Annuities Use in 401(k) Plans

November 16, 2014 by Miji Pearse | Leave a Comment

IRS, Treasury Support Annuities Use in 401(k) Plans Straight from the IRS: The new guidance or policy provides plan sponsors an additional option to make it easier for employees to consider using lifetime income.  Instead of having to devote all of their account balance to annuities, employees use a portion of their savings to purchase guaranteed income for life while Read More >>

Categories: Advanced Retirement Planning, Basic Retirement Planning, Business Advice, Financial Advisors, Retirement News
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Treasury, IRS OK Deferred Income Annuities in 401(k)s

November 13, 2014 by Miji Pearse | Leave a Comment

Treasury, IRS OK Deferred Income Annuities in 401(k)s Straight from the IRS:: Many employer-sponsored 401(k) plans offer so-called target date funds as a default investment for participants who do not affirmatively elect a different investment.  Target date funds get their name from the fact that their allocation of investments shifts gradually from equities to fixed income as participants approach an Read More >>

Categories: Advanced Retirement Planning, Basic Retirement Planning, Business Advice, Financial Advisors, Retirement News
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New IRS 401(k) ruling aims to boost retirement income

November 10, 2014 by Miji Pearse | Leave a Comment

New IRS 401(k) ruling aims to boost retirement income Straight from the IRS: Designed to expand the use of income annuities in 401(k) plans, IRS new change makes clear that plan sponsors can include deferred income annuities in target date funds used as a default investment.   Your new options?   Torrid Tech Explains: Employees saving in their 401(k) plan Read More >>

Categories: Advanced Retirement Planning, Basic Retirement Planning, Business Advice, Financial Advisors, Retirement News
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