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
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 […]
Part II: Income planning starts with income allocation As a famous TV sports reporter would say, “Let’s go to the videotape!” When the talking is done, it’s always good to look again at the results to find out who won the race and why they won. Unfortunately, most “experts” often view the wrong race. In […]
Most retirement planning 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 […]
- 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.