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Wednesday, July 9, 2025

Why Your Retirement Number Should Reflect Your Life—Not Someone Else’s

 

Wednesday, July 9, 2025

Financial independence means more than just hitting a magic number in your retirement accounts. It’s about ensuring that your savings can last throughout retirement regardless of how markets perform.

 

Tuesday, July 8, 2025

In 2024, Americans lost an unprecedented $5.7 billion to investment scams, according to a 2025 MarketWatch report.

 

Monday, June 16, 2025

For many Americans entering retirement, the most pressing concern isn’t how much they’ve saved—it’s whether that savings will last. This approach may offer both financial structure and peace of mind.

 

Thursday, September 26, 2024

Should you consider replacing SIMPLE IRA or SEP IRA with 401 (k) plan SECURE 2.0, by introducing several enhancements and incentives, makes 401(k) plans more attractive and accessible for both employers and employees.

 

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Friday, August 30, 2024

A case study that illustrates the benefits of implementing a 401(k) plan into your business.

 

Monday, August 19, 2024

The SECURE 2.0 Act introduces many important changes for retirement planning geared for accessibility for all businesses such as tax credits, flexible plan options, and many more.

 

Monday, August 5, 2024

80% of Traders Fail to Make Money in the Security Market

 

Friday, July 19, 2024

The Average Household Credit Card Debt Sits at $10,4791 with Gen Z’s balance growing at the highest rate from 2021-2023...

 

Friday, July 5, 2024

Outstanding student loan debt is currently at $1.6 trillion in 2024. The average student loan debt in the United States is $39,981 and interest ranges from 4.1% up to 15.70%, making it the second highest consumer debt category ....

 

Friday, June 21, 2024

52% of young adults aged 18-29 are living with their parents, the highest percentage since the Great Depression...

 

Saturday, June 1, 2024

隨著平均壽命的延長，愈來愈多投資人將終身收入型年金加入退休資產的項目。 而所謂終身收入型年金指的就是將長壽的理財風險轉交給保險公司來承擔，如同人壽保險是用來轉嫁死亡的理財風險。 它不同於一般投資項目（不論是股票、債券、指數、或地產等），其主要目的在於風險的轉嫁，而非利潤的追求，所以用來評估一般投資項目的分析在這產品上並不適用。...

 

Wednesday, May 1, 2024

淺談遺產規劃

 

Monday, April 1, 2024

「如果人生是一趟飛行，請一定安穩的著陸…誰的老年都是一場血雨腥風。」 而對於有老年癡呆或中風家族病史，又想將照護風險轉嫁給保險公司的人來說，有什麼選擇?

 

Friday, March 1, 2024

進一步討論額外照護的課題前，首先要釐清「額外照護」分兩種： 專業護理(Skilled Care)及監護護理(Custodial Care)

 

Thursday, February 1, 2024

多數讀者應該都曾經歷或是耳聞照顧年邁家人的心路歷程。若讓你重述自己或親友當時所面臨的狀況，會是什麼樣的故事?是兄弟姊妹輪流照顧分工愉快?還是與配偶相互分擔，相互鼓勵，像萬能超人般的恩愛好生活?是年邁家人身強體健突然病了兩三天就復原或離世?還是請了全職看護或找個安養院就萬事不用擔心?...

 

Monday, January 1, 2024

又是新的一年，聯邦終於停止漲息，通膨指數似乎平息，在就業率也平穩的狀態下，經濟學家紛紛跳出來預期軟著陸。隨著利息下滑的預測，我們已經開始看到長期債卷市場的活躍， 小型股在一年多來史無前例的升息的打擊下，也在最近鮑威爾一反過去的鴿派信息中，最後秀出亮眼的反彈成績單。

 

Friday, December 1, 2023

在2023會計年度結束之前的這短短幾個禮拜有什麼可以規劃的讓你少繳點稅?

 

Wednesday, November 1, 2023

簡單來說，退休金最大化策略它就是一種運用永久壽險保單來延伸退休金現金流的分析法。

 

Sunday, October 1, 2023

超過一半以上的人後悔在離婚前沒有多做努力，但是如果婚姻已經走到盡頭，離婚一成了唯一的出路，一般中年離婚首當其衝的問題往往是我還來得及存退休金嗎?往後退休生活怎麼辦？婚姻期間攢下的退休金到底是誰的？還有社安金呢？

 

Friday, September 1, 2023

底限與成長策略著重在保底的前提下求成長。它以退休人士的資產負債表和生活所需為基礎(而非投資組合)，來決定投資方案。畢竟退休後不應該靠股市的臉色來過日子，為短期獲利炒股，結果可能得不償失。

 

Tuesday, August 1, 2023

退休是每人終將經歷的人生大事之一。從個人和財務角度來看，退休計畫都需要審慎的規劃和多年的堅持。退休後管理退休收入的漫長過程才真正開始。建立成功的退休計劃並不簡單，它要花的時間精力都極具挑戰性。

 

Saturday, July 1, 2023

過去十年間退休規劃已漸轉型。它包括的不僅僅是如何存夠錢退休，更是如何用這些錢「過退休生活」。它是一個隨著生命持續不斷發展的旅程而非僅只於「存多少才能退休」，它包括將退休收入最佳、最大化，也包括創建一個可提領終生的收入計畫。

 

Thursday, June 1, 2023

你退休之後想做什麼?含飴弄孫? 當高爾夫球好手?環遊世界? 有人一起吃飯看夕陽?與志趣相投的人一起做慈善?還是盯著電腦看自己存了多少錢或盤算著從哪個帳戶取錢來花?

 

Wednesday, March 1, 2023

強化退休儲蓄法案(SECURE ACT 2.0)在2022年12月29號正式簽屬，內容包含九十多項與公司退休計畫、個人退休計畫(IRAs)、SIMPLE IRAs、SEP IRAs、殘障人士稅務優惠計畫(ABLEs)及529教育基金等相關的新條文。

 

Sunday, January 1, 2023

緩衝型年金(Buffer Annuity, BA)是近年來備受金融界關注的新型年金，其評價有好有壞。又稱連動指數型年金(Index-Linked Annuity, ILA)，結合指數型年金(Fix-Indexed Annuity, FIA)和浮動型年金(Variable Annuity, VA)，發展於經濟大蕭條後復甦期，受到想同時有市場成長潛力及部分保護的投資人之青睞；尤其疫情初爆發市場五周內大幅起落時，讓投資人在不失去成長潛力的同時轉嫁部分市場風險而受歡迎。

 

Tuesday, November 1, 2022

什麼樣的人適合提供保證終生收入的年金呢?

 

Saturday, October 1, 2022

到底什麼是年金? 為什麼有人對年金嗤之以鼻，也有人讚不絕口。

 

Monday, April 4, 2022

How to Prepare for Tax Season Presented by Pai-Su Kang, CFP®, CEBS®, MBA Understand Where Your Federal Tax Dollars Go In this guide, we will explore where your tax dollars go, some of the ways tax filing may look different...