Golden Retirement, LLC ("GR"), is the developer of the Savings2Income planning method for retirement income and Go2Income, which enables investors to better understand income annuities and decide whether these financial products should be part of their retirement portfolio.
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, a Registered Investment Advisor focused on development of smarter retirement income strategies.
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
In a world where political ideas come and go, trends surge and falter, revolutions bloom and then fade, a few foundational concepts for retirement remain true: Income is of prime importance, planning for your specific circumstances will increase your financial stability, most retirement calculators are seriously flawed, and you can lessen – but not eliminate […]
The post 10 retirement building blocks for a long, financially strong life appeared first on Jerry Golden on Retirement.
The typical retirement plan devised by a financial advisor will call for you to manage your investments in stocks, bonds and cash so that they last through your projected life span. I agree that you need to create a plan to manage your investment assets, but I also remind people entering the retirement zone to […]
Maintaining your financial independence throughout your life is dependent on the plans you make to create retirement income. When you are working, you have to decide how much to put aside for your retirement savings account. You have to plan for your kids’ education, your plans for owning or renting your primary residence, and to […]
The post Financial independence means having a plan for retirement income appeared first on Jerry Golden on Retirement.
Continuing the theme of Financial Literacy Month, I will define terms that will help you create a plan for retirement income, particularly as it relates to taxes and risk management. The key to a successful retirement income plan is to increase your spendable income (money after taxes paid). So you might want to know a […]
Like most Boomers who are either already retired or planning for the day your paycheck stops, you have probably saved some amount of money to be available for the years you are not earning a salary. And you may be quite knowledgeable about retirement savings accounts like the 401(k) or IRA, or investment products like […]
The post Increase financial literacy to improve your retirement appeared first on Jerry Golden on Retirement.
- GOLDEN RETIREMENT — In The News
- 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.
Sam and Sally previously "starred" in a Savings2Income video, which has been very popular with viewers.