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pre retiree get ready to retire

Time to Catch Up! 12 Things Pre Retirees Can Do Now for a Better Future

On your marks, get set…. RETIRE!  If you are in your 50s or 60s, you are probably a pre retiree — someone getting ready to retire.  You are about to step into the starting blocks and race for the finish line. Here are 12 things pre retirees can do now to improve their future: 1….

Average Retirement Debt: 13 Tips to Prevent it From Taking a Big Bite Out of Your Future Finances!

One of the greatest threats to retirement today may not be saving too little, but owing too much. A 2016 survey by the Center for a Secure Retirement found that Boomers (Americans born between 1946 and 1964), are carrying a significant amount of debt into retirement. Will retirement debt take a big bite our of…

worried about retirement

Worried About Retirement? Try Changing Your Perspective

Your attitude toward anything in life is all based on perspective.  If you are worried about retirement, maybe you just need to change your approach. Albert Einstein is credited with this saying that shows how a flipped perspective can change how you think: “Everybody is a genius. But if you judge a fish by its…

retirement withdrawals

Your Guide to Developing a Retirement Withdrawals Strategy

You’ve spent your entire working career saving and investing for retirement. Now it’s time to develop a retirement withdrawals strategy. Retirement withdrawals: break into the bank, but manage spending so your money lasts as long as you do… So, what’s the best way to go about withdrawing money from your retirement accounts to ensure that…

retirement expenses

9 Tips for Predicting Your Retirement Expenses

If you want a secure retirement, you need to predict how much you will spend on retirement expenses. Some might say that trying to predict your costs for every month for the next 15-30 years is preposterously impossible.  However, it is probably no surprise to tell you that the closer you can get to predicting…

Considering a Reverse Mortgage? Does that Make You Super Smart or Completely Crazy?

Reverse mortgages are loans but they work very differently from most other ways of borrowing money.  If you are considering a reverse mortgage, you know that these loans can be really confusing. It is difficult to know if it is a good choice for you or not. People who are thinking about getting a reverse…

bad investments

The Unlucky 13: Bad Investments for Your Retirement

We have A LOT of choices for where to invest our money — both before and after retirement.  Some options are clearly bad investments. Others seem like a good bet, but probably aren’t. While we would all like to find a shortcut to massive wealth, the steady approach is probably the best route to a…

reverse mortgages

Are These Good Reasons to Avoid a Reverse Mortgage?

Most of us are concerned about our retirement financial security.  We have not saved enough.  Healthcare is expensive.  Social Security doesn’t nearly cover our costs.  We are living long lives. However, many of us do have one very big source of wealth.  According to the US Census Bureau, 79% of older Americans own their homes. …

Age Discrimination in the Workplace

New Evidence of Awful Age Discrimination in the Workplace: Protect Your Livelihood (and Future Retirement)

Old. Venerable. Elderly. Veteran. Senior. Long in the tooth. Geriatric. Mature. Seasoned. Geezer. Expert. Grey haired. 50. 60. 70. 80. 90…  No matter what you call it (positive or negative), your age should not matter when it comes to jobs.  However, new research indicates that age discrimination is a very real and measurable thing. This…

retirement tax planning 2017

Retirement Tax Planning 2017: Tips for This Year and Beyond

Tis the season… tax season that is.  And, as you transition into retirement and live in leisure, a lot changes and continues to change, especially in the realm of taxes. Retirement tax planning 2017 is critical whether you are retired already or just thinking about it. While you will probably spend less on taxes in…