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Recent retirement planning Articles

Protecting Your Wealth From Social Security Insolvency

Protecting Your Wealth From Social Security Insolvency

I recall first hearing concerns about the financial viability of Social Security when I was in my 20s. At the time, the prospect of that problem affecting me personally seemed pretty remote. 45 years later, I’m now receiving Social Security benefits—and this prospect no longer seems so remote. The loss of benefits would pose a very real...

ETFs vs. Physical Gold: What are you really buying?

ETFs vs. Physical Gold: What are you really buying?

When you invest in a gold ETF, what exactly are you acquiring, and how does it differ from possessing physical gold? First and foremost, investing in a gold ETF does not grant you actual ownership of any physical gold nor a direct claim over any physical gold. This is a common misconception many customers have: that owning shares of a...

My Experience Selling Gold to China

My Experience Selling Gold to China

One of my first challenges as U.S. Mint Director was developing a marketing plan for a commemorative coin program that would help fund the staging of the 1996 Atlanta Summer Olympic Games. There is a long history of Congress mandating the minting and sale of commemorative coins for public or private purposes like this. In this case,...

Silver Rounds vs. Coins: Understanding the Difference

Silver Rounds vs. Coins: Understanding the Difference

No matter how the financial industry changes or what new digital currencies are developed, precious metals are still considered a powerful and oftentimes preferred vehicle for wealth protection. That reputation goes back thousands of years, and there’s no sign that precious metals like silver and gold are going to lose their allure any...

When Digital Assets Are Increasingly at Risk, Look to Gold

When Digital Assets Are Increasingly at Risk, Look to Gold

We live in a digital world—one where seemingly every aspect of our lives is in some way controlled or affected by electronic networks. Communication, travel, entertainment, and finance are all areas in which we’re now forced to rely almost entirely on our smartphones, computers, and the internet. It makes sense, then, that when so many...

When Currencies Fail, Nations Turn to Gold

When Currencies Fail, Nations Turn to Gold

If you study enough history, patterns begin to emerge. Certain major events become cyclical, with even the most extraordinary circumstances having precedents. This is true for both paper money and for gold, as we can see from the recent failure of a nation’s currency and that nation’s turn to physical gold. But could this failure also...

How Did Our Country End Up Owing $34 Trillion?

How Did Our Country End Up Owing $34 Trillion?

Thirty-four trillion dollars. That’s how much our country owes holders of U.S. Treasury debt—and that’s double what we owed only 15 years ago. The last time the United States ran budget surpluses was from 1997 to 2001. I remember it well. I was Mint Director at the time. The national debt was under $6 trillion dollars. Today, the...

How De-Dollarization Threatens Your Portfolio

How De-Dollarization Threatens Your Portfolio

The dollar continues to lose popularity on the global stage. Right now, the signs are subtle— shrinking holdings of U.S. Treasurys by other nations, negative statements about the dollar from world leaders—but the story they tell is clear. The U.S. dollar could fall, and it could be taking the stock market with it. De-dollarization is...

The National Debt Is Rapidly Getting Out of Hand

The National Debt Is Rapidly Getting Out of Hand

Higher interest rates are a tool utilized by the Federal Reserve to fight inflation. And while it may prove successful, it may also come at the cost of a constrained economy. Many of the side effects of high interest rates are obvious—difficulty in borrowing means fewer Americans buying homes or starting businesses, for example—but...