Partial Retirement: An Inevitable Trend That Needs Support

Jack Guttentag, Contributor to, writes about partial retirement, and is it the new normal? People are living longer but they are not increasing the accumulated wealth needed to support a longer life of retirement. On the contrary, the swing from defined benefit to defined contribution pension plans has increased the population of those reaching retirement age without adequate provision.

Big News! We’re Moving!

We’re excited to announce that J.R. Financial & Insurance Services is growing, and moving into a new bigger office! We are staying in the same building, moving into Suite #120, which is around the corner from our current Suite, #131.The rest of our contact information will remain the same.We are also shutting down access to our office due to the move, and the new Santa Clara County Guidelines. Only James Rukstalis, and Kimberly Murphy will be in office. No appointments will be held in office until we re-open January 4th, 2021. […]

Santa Clara County now in Tier Purple

In order to provide exceptional service and safely accommodate our clients, we will be hosting appointments virtually or via phone until further notice. If you need to drop documents off, or have other questions, please contact our Operations Manager Kimberly Murphy by calling (408) 393-9285 or email via email We hope you are staying safe, healthy and happy. From all of us at J.R. Financial & Insurance Services, be well!

Didn’t Save Enough for Retirement? Don’t Worry: Here Are 10 Tips for Making it Work

Kathleen Coxwell from shares 10 creative tips to retire, even without adequate savings. You see, saving diligently your entire life and then quitting work to play bridge is only one way to get to retirement. And, the odds are that it is not YOUR way. There are literally of hundreds if not thousands of different levers that can be used to pull off financial independence in your 50s, 60s and beyond.