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When to retire Retirement Jobs

When to Retire? 5 Reasons to Delay Retirement

“Freedom 55” was the rallying cry for decades of people working toward an early retirement… However, over the past few years, the U.S. labor market has seen a continual increase in the number of working individuals older than 55 who are delaying retirement. Why is this change happening? What factors are influencing why retire-aged people…

September 2, 2014
Annuity Annuities

6 Questions to Ask Yourself Before You Purchase an Annuity

Should you buy an annuity? Investing your capital and planning for retirement are important practices, but there are a ton of options out there for how and where to park your money to realize potential growth in the future. Simply put, an annuity is a contract between you and an insurance company. You essentially give…

September 2, 2014
Housing and Home Equity

Should I Pay Off My Mortgage or Invest for Retirement?

While some baby boomers believe paying off a home mortgage is a better financial decision than saving for retirement, industry experts say home ownership is often overrated, and soon-to-be retirees should consider more liquid investments. In part due to the recent housing bubble, Americans are now more likely than they used to be to have…

August 29, 2014
Retirement planning Retirement Planning

Retirement Planning: It’s Never Too Late to Start

Retirement can sneak up faster than you think. It’s understandable: Life happens, years go by, and then suddenly you realize retirement is a lot closer than it seemed just a year or two ago. Although most financial advisers recommend at least starting a modest retirement plan as early as in your 20s, that doesn’t always happen.…

August 28, 2014
Reverse mortgage Reverse Mortgages

5 Tips for Finding Great Reverse Mortgage Companies

Thorough planning helps you make the right decisions about a reverse mortgage. A reverse mortgage is a long-term commitment, and one that shouldn’t be entered into lightly. It’s not actually a true mortgage at all, but a loan against the equity that you have in your home. That difference alone is enough to show just…

August 26, 2014
Retirement planning Retirement Planning

Retirement Financial Planning: 5 Ways to Fix Your Retirement Financials

Three in four middle-class Americans will eventually run out of money during retirement, research shows. And when nursing home and home health care costs are factored into retirement spending, the number of people projected to run out of money is staggering. According to the Employee Benefit Research Institute’s (EBRI) study on retirement shortfalls, by the…

August 25, 2014
Reverse Mortgages

New Jumbo Reverse Mortgage; HomeSafe Reverse Mortgage Brings Additional Benefits

Homeowners looking to use a reverse mortgage to tap their home equity have a new option that could provide more in proceeds than the government insured HECM reverse mortgage product. Scheduled to roll out in September, the HomeSafe is a private reverse mortgage product — also known as a jumbo reverse mortgage — from Urban…

August 25, 2014
Planning for retirement Retirement Planning

Planning for Retirement: The Unique Challenges Facing Baby Boomers

Baby boomers are a a generation of firsts. You were the first to attend integrated schools, the first to take birth control pills and the first to bring feminism to the cultural forefront. You are also the first modern generation to largely manage your own retirement investments and the first generation without widespread access to pensions.…

August 25, 2014
Retirement Planning

Retirement Income: How Much Do I Need for Retirement?

Most retirement experts advise that retirees plan on securing 100 percent of their pre retirement income for retirement — though annual spending may decrease as retirees age. However, many pre-retirees are not nearly as prepared for retirement as they had hoped—and by no fault of their own. The economic crisis, housing crash and market downturn…

August 22, 2014
Reverse Mortgage Reverse Mortgages

3 Underreported Facts about Reverse Mortgages

Mapping your path to a comfortable retirement calls for personalization. At its best, financial planning for this life phase should resemble a shopping trip: you decide your priorities, set your budget, then make selections from an array of offerings based on your needs. As with hitting the stores, tastes and desires in planning for retirement…

August 21, 2014
Retirement Planning

Retirement Financial Planning for Baby Boomers: The Top 4 Goals

The 2008 recession and financial crisis deteriorated American baby boomers’ confidence in retirement planning, spurring a shift in their financial goals related to their later years. And while the ability for baby boomers to reach their goals should improve with the recovering economy, not everyone is confident about realizing their priorities in retirement. Only one-third,…

August 20, 2014

Most Americans Don’t Understand Annuities; Decoding the Mystery of How Does an Annuity Work

While 71% of Americans say they would consider buying an annuity to meet a variety of needs, more than half admit they don’t understand the product, according to a survey by Phoenix Companies, Inc., a financial services firm. Annuities are used for a number of reasons, but about half (49%) of survey respondents indicate they…

August 13, 2014
Aging Well

Soak Up the Sun? Vitamin D Deficiency Linked to Alzheimer’s and Other Recent Health News (Stroke, Chocolate, Exercise…)

The journal Neurology recently published compelling research showing a strong association between low Vitamin D Levels and the risk of dementia and Alzheimer’s disease. The study, led by Dr. David Llewellyn at the University of Exeter Medical School, found that study participants who were severely deficient in Vitamin D were more than twice as likely…

August 7, 2014
Retirement Planning

4 Reasons to Use an Online Retirement Calculator Today

You want to plan your retirement, but you are probably having some trouble getting started. Here are 4 reasons why an online retirement calculator is a great way to get off the dime and make a better future for yourself: 1. No Judgements, No Negative Feedback When you use an online retirement calculator, no one…

August 5, 2014
Retirement Planning

The Top 5 Reasons Why People Avoid Planning for Retirement

  It is not like you don’t WANT to plan for retirement, right? There are real reasons that make planning for retirement difficult. Taking the first step toward retirement planning might seem like pursuing a major lifestyle change — it sounds intimidating, and you may not know where to start. But there are easy first…

August 4, 2014
Retirement Savings and Investments

State Sponsored Retirement Programs: New Ways to Close The Savings Gap

Noticing an increase in the number of unprepared Americans beginning to retire, federal and state governments are launching special programs to help. According to the New York Times, 17 states are exploring simple, low-cost savings plans that would allow workers to direct pre-tax earnings into retirement accounts to help guard against future risk—and help protect…

July 30, 2014
Reverse Mortgages

Reverse Mortgages for Seniors

The retirement years are supposed to be golden. There’s time for travel, relaxation, trying out new hobbies, and perhaps even starting a whole new career. Financial worries shouldn’t factor in heavily how you choose to spend your retirement. But for many people, that’s exactly what happens. Reverse mortgages for seniors might be the answer. A…

July 28, 2014
Retirement Savings and Investments

Saving for Retirement: Is Keeping Up with The Joneses a Good Idea?

In much of life, there’s a tendency to compare your lifestyle to others, whether it’s the size of your house, the kind of car you drive, or where you go on vacation. Now, financial firms are asking whether keeping up with the Joneses might actually be a good strategy when it comes to saving for…

July 28, 2014
Reverse Mortgages

Is A Reverse Mortgage Right For Me?

How do you know if a reverse mortgage is right for you? Reverse mortgages have a reputation as a tool for retirees that are tight on funds and more recently as a tool that can help people who have saved more for retirement, but they are not for everyone.
In this infographic, we explore eligibility requirements and all the uses for a reverse mortgage, along with some alternatives in case it is not the best option for you.
Read on to find out how to have a rich retirement.

July 28, 2014
Retirement Planning

Retirement Planning Strategies for Veterans

Veterans and service-members approaching retirement age may need to take a slightly different strategy to financial planning relative to their civilian counterparts, factoring in time spent in the service, pensions, and other available benefits. Career military servicemembers who serve 20 or more years are eligible for a pension that includes annual cost of living adjustments…

July 25, 2014
Social Security

Alarming Analysis: Social Security Will Not Be Adequate to Fund Your Out-of-Pocket Healthcare Spending

Social Security has served as a financial safety net for many older adults, but recent research indicates that era is drawing to a close as retirement health care costs skyrocket. Many older Americans rely heavily on Social Security benefits as their main source of income in retirement. Nearly half (47%) of unmarried people depend on…

July 23, 2014
Retirement Savings and Investments

Retirement Income Planning: Focus on Income—Not Assets—for Retirement Security

Leading up to retirement, many people focus on building up enough wealth to last throughout their golden years. But the focus should be on something a Nobel Prize winner in economics says is even more important: creating income throughout retirement. Without this attitude, your retirement could be a disaster. “The seeds of an investment crisis…

July 21, 2014
Social Security

Have Dependent Children? Social Security Dependent Benefits May Make Taking Social Security Early a Good Choice for Your Retirement

You have probably read and reread that you should delay the start of your Social Security benefits until at least your full retirement date (typically around age 66 if you are retiring soon). This advice is probably good for most people because delaying the start of benefits increases your monthly Social Security checks for your…

July 14, 2014
Reverse Mortgages

What is the New Reverse Mortgage? Should You Take a Look?

You may have recently seen a new reverse mortgage ad on TV.  It talks about the new reverse mortgage.  Is it really new?  The answer is both yes and no.  Reverse mortgages have evolved considerably, but they are still a product that help older Americans fund retirement by enabling them to tap into some of…

July 12, 2014

NewRetirement Planner

Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.