Terry’s Columns

On the Huffington Post!
  • Longevity Annuities: Buying Peace of Mind

    July 21, 2014

    The dread fear of retirement is living so long that you run out of money. Of course, there will be Social Security, but as…

  • Retirement: When Is Enough, Enough?

    July 16, 2014

    Thinking about retirement can be overwhelming. The idea of planning for something that won’t happen for years, might last 30 years, and could cost millions is enough to make you leave it all to chance. But that’s the worst possible retirement plan. Would you be willing to substitute something much simpler?

Terry’s Favorite Websites

  • Finra BrokerCheck

    Financial Planning & Organization Websites

    BrokerCheck is a free tool to help investors research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers, as well as investment adviser firms and representatives. BrokerCheck information is drawn from filings by regulators, firms and investment professionals. It includes current licensing status and history, employment history and, if any, reported regulatory, customer dispute, criminal and other matters.  But, Terry warns, this tool is just a starting place, and has been criticized for not having information on personal bankruptcies, civil litigation, and older events.  You should also check with your state’s registration database.

  • Sixty-Five Incorporated

    Seniors Websites

    Everything you need to know about Medicare, signing up, supplements, rules, and more at this helpful site, including this calculator to help you determine when you can sign up for Medicare.

  • Consumer Federation of America

    Insurance Websites

    Don’t change policies or even buy a new one without using this independent service from the Consumer Federation of America.

Click here to view all of Terry’s Favorite Websites

Terry’s Favorite Calculators

  • S&P Return Calculator

    Want to see the return of the S&P 500 — with and without dividends, and adjusted for inflation — between any two individual days? Click on this easy calculator to compare the performance of “the market” with your own investment returns!

  • How Much Should You Be Saving?

    Are you on track to save enough for retirement?  Or will your standard of living fall dramatically when you retire?  This calculator created by the Employee Benefit Research Institute is easy to use, and will show you how much more you should be saving, based on your age, estimates of longevity, and risk tolerance.

  • Calculate Minimum Required Distributions

    When you reach age 70-1/2 you must take minimum required withdrawals. Use this calculator at FINRA.org to get a rough idea how much you must withdraw based on year-end balances. (But talk with one of your IRA custodians to get the specific withdrawal amount, based on ALL your retirement account balances.)

Click here to view all of Terry’s Favorite Calculators

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