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About Jerry

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 benefitting from 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 founded Golden Retirement, LLC and organized its two subsidiaries (GRA and 2IAG) to deliver a plan for retirement income with more income and less risk by integrating annuity payments into Income Allocation planning. By combining both online planning with support from Advisor-Counselors GR can deliver and manage these plans at lower cost than traditional plans. Further, GR can reduce the retirement tax rate by recognizing the tax benefits of income annuities in its planning.


Jerry has appeared on CNN, 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.


Over thirty of his blogs have been published on Kiplinger.com.




Jerry Golden's Recent Articles

How to Add Home Equity to Your Retirement Income Planning

Home equity is sometimes overlooked as a viable resource in retirement. You don’t have to sell your home to find income and liquidity. With more retirees than ever choosing to age in place, the idea of selling your home to downsize may no longer be part of your plans. That’s smart, because you don’t have […]

The post How to Add Home Equity to Your Retirement Income Planning appeared first on Jerry Golden on Retirement.

Published on 09th June 2024

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Is Your Retirement Solution Hiding in Plain Sight?

Here’s how to use your home equity in combination with an annuity contract to produce late-in-life income. Editor’s note: The earlier article How Your Home Can Fill Gaps in Your Retirement Plan discussed the “why” of incorporating the equity in your home in your plan for retirement income. This article discusses the “how.” In retirement, your home […]

The post Is Your Retirement Solution Hiding in Plain Sight? appeared first on Jerry Golden on Retirement.

Published on 09th June 2024

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How Your Home Can Fill Gaps in Your Retirement Plan

If you have gaps in your plan for retirement income, you might consider adding the value of your home to your planning. Most retirement planning methods have ignored what for some retirees is their largest single asset — their home. That means the plan may fail to deliver on one or more of the five […]

The post How Your Home Can Fill Gaps in Your Retirement Plan appeared first on Jerry Golden on Retirement.

Published on 09th June 2024

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For Longevity Protection, Consider a QLAC

A qualifying longevity annuity contract, or QLAC, can help you define a better retirement for yourself by providing guaranteed lifetime income. Please consider two new terms you should know in retirement: Longevity protection. The steps you can take to ensure that the money you thoughtfully saved and carefully grew during your working years doesn’t run out […]

The post For Longevity Protection, Consider a QLAC appeared first on Jerry Golden on Retirement.

Published on 09th June 2024

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A Challenging Retirement Plan Mission: Not Impossible

A reader makes a request that at first appears not achievable, but with some maneuvering of the retirement income plan building blocks, we find it can work. A one-size-fits-all approach will never be a perfect solution when it comes to designing a plan for your retirement income. As it turns out, there are billions of […]

The post A Challenging Retirement Plan Mission: Not Impossible appeared first on Jerry Golden on Retirement.

Published on 09th June 2024

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The (R)evolution of Retirement Income Planning

With AI on the horizon to enable the optimization of retirement income plan choices, the retirement fortunes of retirees are about to improve. Once, there were only your stock and bond portfolios, mutual funds or ETFs as options for your retirement savings. You and your adviser managed retirement risk through asset allocation and pretty much […]

The post The (R)evolution of Retirement Income Planning appeared first on Jerry Golden on Retirement.

Published on 02nd May 2024

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How a Fixed Index Annuity Can Manage Retirement Income Risks

Good retirement income planning involves adjusting to circumstances and evaluating innovative products. Consider an FIA to manage downside risk. I have spent my career looking for new ways for retirees to create income — particularly safe, lifetime income — and at the same time meet their objectives for legacy, inflation protection, liquidity and risk management. […]

The post How a Fixed Index Annuity Can Manage Retirement Income Risks appeared first on Jerry Golden on Retirement.

Published on 23rd January 2024

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Do Alternative Investments Belong in Your Retirement Plan?

There’s a lot of promotion of ‘alternative investments’ these days, from gold to real estate and even to Bitcoin. Are you missing out? If you do any research on your own about how to create a solid retirement, you’ve read about alternative investments, financial managers who boast great performance and the tech stock your friends […]

The post Do Alternative Investments Belong in Your Retirement Plan? appeared first on Jerry Golden on Retirement.

Published on 11th January 2024

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How You Might Need to Adjust Your Retirement Plan in 2024

Here are some of the challenges that could lie ahead this year, plus some suggestions for how you might deal with them to help secure your financial future. Looking forward to the new year, my advice is to be, well, flexible. It’s difficult to foretell the future, even when the future is tomorrow. So, predicting […]

The post How You Might Need to Adjust Your Retirement Plan in 2024 appeared first on Jerry Golden on Retirement.

Published on 11th January 2024

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How Finances Can Improve for Retirees — and the Next Two Generations

Hypothetical retirees from 2017 are in much better financial shape today, thanks to annuities and higher interest rates. Their kids and grandkids stand to also reap the benefits. Who knew the holidays would result in a reordering of family financial plans? One minute we sit down for turkey and all the fixings, and the next […]

The post How Finances Can Improve for Retirees — and the Next Two Generations appeared first on Jerry Golden on Retirement.

Published on 11th January 2024

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