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.
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
Most retirement planning for Boomers asks, “How much savings?” The right question is, “Do I have enough income to retire?”
A Multi-Part Series The stock market just gave us a reminder of what volatility feels like. I’m writing on the day following a two-day, 8% plummet in the Dow Jones average. Everyone I talk to asked, “What happened?” “What do I do?” “Will it get worse?” The most frantic questioners were those who had the […]
Save it or spend it? That’s the question to answer when you find extra money. Our friends at Kiplinger’s Personal Finance magazine headlined its February 2018 issue with great approaches when the figure at hand is $1,000, $10,000 or $100,000. I have some ideas, too. The best opportunity with money that you unexpectedly discover – […]
The post Would you rather spend that extra cash or make it last a lifetime? appeared first on Jerry Golden on Retirement.
Everywhere you turn this time of year you will see a Top 10 list. Whether it’s automobiles, restaurants, vacation spots, chocolates or gardening tools, you will find someone willing to guide you. I don’t think Top 10 lists always work for you, particularly when it comes to retirement security. Let’s take restaurants as an example […]
An open letter to my U.S. senators: Dear Senator, I keep my preferences regarding Republican vs. Democrat to myself, but I have to admit I’ve never spent so much time talking about politics with my friends and spouse as I have in 2017. What a year! As the country takes stock and we head into […]
The post Wrapping up 2017 — and wishing for a retirement czar appeared first on Jerry Golden on Retirement.
I’ve been preaching about the importance of securing true income in retirement for a long time. And for just as long, I have seen that financial firms and advisors tend to view retirement planning as simply the accumulation of savings before retirement and the drawing down of savings (often described as “deaccumulation”) after retirement. Of […]
On its 40th anniversary, let us celebrate the 401(k). And then let’s get to work solving the problems left unresolved a generation ago. The 401(k) has enabled millions of everyday workers to put away substantial sums for retirement, do it conveniently and get some tax savings. Without this mechanism and without the discipline of regular […]
The post The 401(k) reaches 40, and needs work to fully reach its retirement promise appeared first on Jerry Golden on Retirement.
As much as we look forward to the gathering around Thanksgiving, preparations for many of us include ticking off a mental list of what we cannot talk about for fear of igniting a feud in-between second helpings and dessert. In the spirit of the holiday, I present a list of topics (about retirement of course) […]
The post 9 retirement planning trends that make us thankful appeared first on Jerry Golden on Retirement.
It’s hard to avoid advertisements that knock annuities. In fact, once you start doing online research about retirement, the warnings and diatribes will follow you to your inbox. Every time I see one of these, I think of the quote from Albert Einstein: “If at first the idea is not absurd, then there is no […]
Knowing the answer could reduce stress during retirement Buying guaranteed income is in many ways like buying a car. You know you’ll enjoy owning it but the challenge of deciding which model and where to buy it may be unnerving. Just as you need a car for transportation, you need guaranteed retirement income for peace […]
The post How much of my retirement income should be guaranteed for life? appeared first on Jerry Golden on Retirement.
I have been a tinkerer and inventor my entire adult life, but instead of building a better mousetrap, I concentrate on financial products. I started my career as an actuary and graduated to manage divisions of financial service companies. I even ran my own life insurance company. Now I’m an entrepreneur and financial advisor, constantly […]
- GOLDEN RETIREMENT — In The News
- America Needs A Retirement Czar
By Jerry Golden, Opinion Contributor
- Income Power Highlighted
Greenwich resident launches new retirement calculator Read More
- Golden Retirement Announces
Relaunch of Its Go2Income Platform
for Income Annuities. 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.