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
The Vanguard Group made news recently when it announced it would reduce the number of funds available to its investors. The goal, the fund said, is to minimize confusion. Jack Bogle, the legendary finance expert who founded Vanguard (but who no longer runs it) said in an interview with Fox News that the fund could […]
The post Develop a plan for income allocation to truly simplify retirement appeared first on Jerry Golden on Retirement.
People planning for retirement often approach me, in person or through my blog, and ask questions about whether they have enough money to retire, hoping I can ease their minds or make life easier for them. One client recently asked: “I’ve got 10 years to go before retiring. I’m contributing at the max to my […]
The post Retirement Planning Job #1: How much income can your savings generate? appeared first on Jerry Golden on Retirement.
People planning to retire often tell me their greatest fear is running out of money after they stop working. They have a valid concern, but the risk is not really about living too long. Instead, the issue that could bring calamity is the risk of failing to consistently follow a reasonable retirement plan. Retirement planning […]
The post The biggest risk in retirement planning is not what you think appeared first on Jerry Golden on Retirement.
As usual, the country is dealing with many controversies, most of which tend to be debated as standalone issues. The fact is, they are often intertwined with one another. Take the case of immigration and Social Security. No matter what opinion you hold about immigration, many political liberals and conservatives agree that the future of […]
The post How immigration policy is intertwined with Social Security appeared first on Jerry Golden on Retirement.
Income will determine whether your retirement is financially successful. When you have enough income, you feel more secure. You worry less. You can spend more time doing what you want with people whose company you enjoy. And from an investment perspective, you’re more likely to “stay the course” and not jump out of the market. […]
The post Earn up to 20% more in retirement with income allocation appeared first on Jerry Golden on Retirement.
The financial press regularly reports that investors can increase income by investing in longer-term securities or by taking on more risk. This advice usually appeals to retirees who, particularly in this low-income environment, are always looking for ways to generate more cash. Markets are generally efficient and there are few, if any, ways to get […]
The post Increase Retirement Income by 3% or more by Managing Your Risks appeared first on Jerry Golden on Retirement.
Who is at the center of your retirement income plan? Do you decide randomly how to build your retirement, or do you choose the best options after careful thought and research? Most people would say they are thoughtful and decisive, but the facts often prove otherwise. In reality, among the several advisors we need — […]
The post Choose the right advisor for the center of your retirement plan appeared first on Jerry Golden on Retirement.
Baby Boomers are the 401(k) generation. When Boomers started working, nearly every major company offered some form of pension providing lifetime income. Now, as members of this cohort are retiring in large numbers, pensions are nearly extinct outside of government employers. The 401(k) was invented 40 years ago and now shares the retirement landscape with […]
The post Too many financial advisors ask the wrong question appeared first on Jerry Golden on Retirement.
For some investors, annuities have an image problem. Read the headlines on the advertisements from a few marketing-focused financial advisors to understand why. They often include words like scary, avoid, and often just plain “bad.” The problem with this characterization is the total failure to distinguish between the broad categories of annuities and to analyze […]
The post Annuities: The “bad,” the “good” and the “misunderstood” appeared first on Jerry Golden on Retirement.
Part III – Study confirms more income with less volatility In Parts I and II in this series, I suggested that you could receive more retirement income with less volatility if you and your advisor moved from asset allocation to income allocation. It’s one thing to suggest and another thing to prove. So we conducted […]
- 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.