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
Now that COVID-19 has officially changed everything, let’s talk about how you can maintain as much of your retirement income as possible. The combination of factors we have witnessed is almost overwhelming. The stock market is down 20% to 30% from the beginning of the year. The bond market is flat or down and not […]
An impressive year in the stock market concluded the decade with a bang, which means it is a good time to ask yourself, “Are my retirement plans better off in 2020 than they were a year earlier?” Along with a Dow Jones above 28,000, we have witnessed two other noteworthy events: Advisory firms are developing […]
The post End of Decade Closes with Three Surprises for Retirement appeared first on Jerry Golden on Retirement.
Going through the process of creating an income plan for your retirement does not mean you are done when the numbers on paper meet your immediate expectations. A successful plan depends on regular analysis and adjustments. Both might be required either because your goals change, or the world shifts. That is the benefit of an […]
Many clients and friends ask my guidance about Social Security – particularly the question of whether they should claim their benefits early or late. I have crunched the numbers. And I have not come up with a one-size-fits-all answer – because there isn’t one. It turns out the best way for you to get the […]
The post What’s the smartest way to claim Social Security benefits? appeared first on Jerry Golden on Retirement.
When dealing with percentages, an offer that sounds good at first may turn out to not be so great, depending on where you are in your retirement planning. As you accumulate savings, for instance, you’re looking to generate growth in your account and so you may hire an investment advisor to help you make the […]
When you sit down with a traditional financial advisor to plan your retirement you will provide her with the spending budget you have in mind. The advisor will adjust that amount for inflation and after running through a “black box” model, will predict how many years your retirement savings – typically made up of cash, […]
A reporter called me to ask whether investing in a QLAC would reduce a retiree’s RMDs and the tax that must be paid on them. The short answer is Yes. The complete answer is, think about the QLAC decision as part of a broader consideration of your retirement finances. Properly combined with your IRA investments, […]
The post How to reduce taxable RMDs and improve your retirement income plan appeared first on Jerry Golden on Retirement.
For all the saving and planning you do to prepare for retirement, there remain two questions that are impossible to answer about the strength of your plan: What will the stock market do during my retirement? Will I outlive my savings? A lot of planning expresses those risks like this: “Under our Monte Carlo analysis, […]
The post A step-by-step guide to building your retirement income plan appeared first on Jerry Golden on Retirement.
A recent New York Times article discussed ways to improve your retirement with investments in low-cost index funds. While it’s hard to argue against lower-cost funds for your stock market investments, particularly if they outperform higher-cost actively managed funds, the planning for earning high investment returns should start long before you choose a fund. If […]
The post 5 ways to improve your investment returns in retirement appeared first on Jerry Golden on Retirement.
News from the financial world has been confusing lately. Is the economy strong or about to bust? Is the inevitable recession close or still years off? What will the Fed do about interest rates? We do know that over the past eight months, interest rates have decreased. That helps homebuyers, and homeowners who are refinancing […]
The post What will happen to your retirement if the Fed lowers interest rates? appeared first on Jerry Golden on Retirement.
- 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
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.