Below are links to some third party articles that we've seen that relate to retirement planning.  We'll continue to update this page as new articles are published.  These articles are located on other websites, and may contain lively comment chains following the article.  We'd be glad to discuss these or any other articles with you.  Just call (760) 501-0293 or email us at Ken@CyanInsurance.com.

Federal Reserve: Familes' Wealth Drops 39%.  USA Today.  June 12, 2012

A report from the Federal Reserve notes that middle class familes were hurt most by the economic downturn.  From 2007 to 2010, the median household net worth dropped to 1992 levels.  Since many middle class families have a large portion of their net worth tied up in their houses, their losses were magnified by the housing bubble.  Click here to read article...

Financial Planning Considerations for Stay-at-Home Parents.  Forbes.  April 19, 2012

From the trenches, a Forbes writer describes some of the possible problems that can occur with the financial planning of families with a stay-at-home parent.  Five topics, including proper insurance and college funding, are discussed.  Click here to read article...

A home is a lousy investment.  Wall Street Journal.  July 11, 2011

The headline is in-your-face, and maybe a bit overstated, but the message is: "Today's young people would be foolish to imitate their parents and view ownership as the cornerstone of personal finance."  A well reasoned look at home ownership issues by a professor of clinical finance and business economics at the USC Marshall School of Business.  Click here to read article...

Workers need to fend for themselves.  The Economist.  April 7, 2011.

Traditional pension packages, which offered a “defined benefit” of a specified dollar amount upon retirement are becoming more and more scarce.  “Defined contribution” plans, such as 401(k) and 403(b) plans put much more of the planning and investing burden upon the worker.  Click here to read article…

Higher tax rate looms for 401(k) savers.  Marketwatch.  March 28, 2011.

A look at how taxes can significantly reduce the actual value of a retirement account – often with the owner not realizing it until retirement has almost started.  In addition, thoughts on 401(k) accounts in times of rising tax rates.  Click here to read article…

Retiring Boomers Find 401(k) Plans Fall Short.  Wall Street Journal.  February 19, 2011.

Experiences of some families close to retirement, and the gap they need to fill between actual retirement needs and what their 401(k) plans will yield.  Click here to read article…