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ABOUT US

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Golden Retirement, LLC ("GR"), is the developer of the Go2Income website and the Savings2Income system for retirement income planning. The Go2Income website does not provide legal, tax or investment advice. We can refer you to an investment advisor trained in integrating Income Annuities into retirement portfolios.

GR's president and founder, Jerome (Jerry) Golden, has been recognized as one of the financial services industry's leading innovators, having played an important role in the creation and adoption of several major financial products over his career. Jerry also is CEO of Golden Retirement Advisors Inc., a registered investment advisor, and the 2Income Annuity Group, Inc., an insurance agency licensed for life insurance and annuities. Both companies are licensed in a limited number of states and will work with qualified independent agent - advisors in states where not licensed.

About Jerry

Jerry has been involved with annuities since an initial assignment as a young actuary to price an immediate annuity. He was impressed with the ability to match assets and liabilities, which benefitted both the purchaser and the insurer. He recognized the risk that insurers were taking because of the potential increase in lifespans, and the risk pooling purchasers were taking when buying an annuity. He watched the business become more competitive as additional companies created products, along with the movement to "new money" pricing, and more frequent pricing changes. He was responsible for some of the innovation and holds two patents regarding these types of annuities.

Jerry was president of the Income Management Strategies Division of MassMutual, where he developed the patented Retirement Management Account, described by Cerulli Associates (recognized experts in researching worldwide asset management and distribution trends) as the "quintessential managed account platform for retirement income.

As an executive vice president of AXA Equitable, he led development, management and marketing of the Accumulator Variable Annuity, which reached $15 billion in annual worldwide sales. With this innovation and others, Jerry has been called "the father of modern variable annuities."" Jerry has appeared on CNNfn, Fox News, and Bloomberg Radio, and he and his research have been featured in many leading financial publications, including Kiplinger's Retirement Report, Financial Planning, Investment News and others, as well as numerous consumer-oriented publications and daily newspapers. His proposal for Social Security reform appeared in Bloomberg News online.

WATCH INTERVIEW WITH JERRY



Jerry Golden on Retirement

Jerry has written extensively about annuities specifically and retirement matters generally, and has been quoted and interviewed in major publications.

Jerry has published over 200 posts on Jerry Golden on Retirement, covering such topics as Social Security, retirement calculators, tax strategies, and income annuities. His article on defusing the tax bomb appeared on NextAvenue, NPR's website for people 50 and over.

Set out below are some of the most recent articles. Click here to search the blog for the topic you might find interesting.



Jerry Golden's Recent Articles

How to lower your retirement tax rate to less than 10%

Is it true that retirement changes everything? No, not literally. But it does significantly change many aspects of your finances, and the more you understand your new situation, the more money you will have available to spend or save. How you set up retirement income to be taxed is complex — and a big part […]

The post How to lower your retirement tax rate to less than 10% appeared first on Jerry Golden on Retirement.

Published on 29th May 2019

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Step 1: Read my article published by Kiplinger. Step 2: Repeat

You may have read this article in Kiplinger’s online magazine, in which I explain how to earn maximum tax advantages from your investment in income annuities. I republish it here, slightly modified. Like most taxpayers, I am a fan of legally minimizing your income taxes. But I think — if you are retired or about […]

The post Step 1: Read my article published by Kiplinger. Step 2: Repeat appeared first on Jerry Golden on Retirement.

Published on 28th May 2019

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From Jerry’s Desk:

How I Designed My Own Retirement Plan I have lots of experience in the insurance and retirement industries. While the knowledge gained in those experiences enables me to offer Go2Income’s unique retirement income planning solutions, it’s one thing to espouse a point of view, and quite another to put it into practice. With success. In […]

The post From Jerry’s Desk: appeared first on Jerry Golden on Retirement.

Published on 03rd May 2019

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Five ways to increase your after-tax income and legacy (And plan ahead for April 15, 2020)

Over dinner with friends who live in the Northeast, they expressed concern about how the recent tax changes may increase their federal income taxes. They’re right to worry. New rules limit the amount of property and state income taxes that can be deducted – and they live in a high-tax state. Like everyone, I am […]

The post Five ways to increase your after-tax income and legacy (And plan ahead for April 15, 2020) appeared first on Jerry Golden on Retirement.

Published on 08th April 2019

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Make retirement simpler: From target date funds to income allocation plan

The financial industry figured out how to improve saving before retirement, and 401(k) investors are taking advantage. The idea is simple: create an investment choice that allows you to “set it and forget it” until you retire. These options available in a 401(k) plan are called target date funds (TDF). If you elect a TDF […]

The post Make retirement simpler: From target date funds to income allocation plan appeared first on Jerry Golden on Retirement.

Published on 04th March 2019

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Retirement Planning Reinvented

You might think I sound presumptuous when I say that a new era in retirement planning has begun. But I plan to prove it to you. An innovative difference A new retirement planning method, available here, demonstrates that by properly allocating the smartest sources of income, you can create more income, with less market risk […]

The post Retirement Planning Reinvented appeared first on Jerry Golden on Retirement.

Published on 28th February 2019

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Are Income Annuities fair? Or do annuity payments improve your retirement income plan?

If you get a chance, you might read this article “Why Retirees May be Wary of Annuities”.  Written by two knowledgeable academics and based on a study of consumers, the authors concluded that the aversion to income annuities may be related to a question of fairness, i.e., insurance company holds on to part of the […]

The post Are Income Annuities fair? Or do annuity payments improve your retirement income plan? appeared first on Jerry Golden on Retirement.

Published on 20th February 2019

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2019 New Year’s Resolution: Fix my retirement plan

Most people, particularly those in or near retirement, are concerned (and for good reason) about what the market performance in December did to their retirement plans. My friends, knowing what I do, ask me, “So, what do you think about the market?” My answer to them is, “We’re OK, but the kids will inherit less […]

The post 2019 New Year’s Resolution: Fix my retirement plan appeared first on Jerry Golden on Retirement.

Published on 08th January 2019

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How income annuities are taxed — and why

As you know, things sometimes don’t work out the way you plan. People die too young or need professional care after an illness or disability. Sometimes, just living to a nice old age drains the savings you worked so hard to bank. That’s why people who care about their families and themselves buy insurance to […]

The post How income annuities are taxed — and why appeared first on Jerry Golden on Retirement.

Published on 12th December 2018

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Your emotions — and retirement plan — can rise even as markets fall

After the recent stock market volatility, some advisors said investors should take a deep breath. Or as one pundit said, “Don’t worry about market jitters, just get a hobby.” On the other hand, I think it’s the absolute right time to reconsider the standard advice you get when the market takes back all of the […]

The post Your emotions — and retirement plan — can rise even as markets fall appeared first on Jerry Golden on Retirement.

Published on 30th October 2018

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GOLDEN RETIREMENT — In The News
America Needs A Retirement Czar
By Jerry Golden, Opinion Contributor
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Income Power Highlighted
Greenwich resident launches new retirement calculator Read More

 

 

 

  • Sam and Sally, typical baby boomers facing retirement challenges as most others of their generation, are making a new appearance in a Golden Retirement, LLC ("GR") production - addressing the "Five Reasons" you need these annuities in your retirement portfolio.

    Five Reasons


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