Most people earn income from a job, but passive income, pensions, Social Security, investment returns, and more are all critical sources of income that you may want to mix and match throughout your lifetime.

Your income levels and the source of that income will likely evolve over time.

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Is a Tax Sheltered 403(b) Annuity a Good Investment?

If you are an employee at a school, church, hospital, or other non-profit, then you are eligible for a “tax-sheltered annuity,” also known as a 403(b) plan. Don’t work for a nonprofit? Learn more about annuities and how to invest in them in a tax-advantaged way. History Of the 403(b) and Tax Sheltered Annuities The…

June 28, 2020
reverse retirement

Reverse Retirement: Find Out Why So Many Retirees Are Going Back to Work

An astonishing number of retirees “reverse” retirement – they quit their lives of leisure and go back to work either part or full time. Is retirement really not all that it is cracked up to be? Going backward is rarely a good idea, but reversing back into a compelling job can actually have far-reaching benefits.…

June 28, 2020
retirement at 65

Is Retirement at 65 Ridiculous?

“Retirement at 65 is ridiculous. When I was sixty-five I still had pimples.” – George Burns It seems that George Burns was onto something. More and more older Americans are working well past the traditional age of 65 and there is good reason. According to the Bureau of Labor Statistics, the overall U.S. work force…

June 26, 2020
collecting social security

Delay Collecting Social Security and Your Finances Will Win Big

You need to make a lot of choices in retirement.  Many people tout the benefits of investing in real estate.  However, there is a less glamorous way to use your money for better returns.  Delay collecting Social Security and your finances will win big. Money Spent to Delay Social Security Beats Buying Real Estate There…

June 20, 2020
retirement calculator with pension

Retirement Calculator With Pension: Find the Inputs You Need to Plan the Future You Want

While pensions are not nearly as common as they once were, they are a very important part of the retirement plans for many of society’s most valued workers: teachers, police officers, fire fighters and more!  However, it is surprisingly hard to find a reliable retirement calculator with comprehensive pension inputs. How to Plan Retirement if…

June 16, 2020
retirement income

How to Build a Retirement Income Plan

“The most important thing you can do for your retirement is have a plan, specifically a retirement income plan. A plan covers far more than what investments to pick. Investments are the last part of the plan; the icing on the cake. They should come only after you have the main meal menu in place,…

June 6, 2020
pension vs. lump sum

Lump Sum vs. Pension: What is the Better Option?

A very common question from pension recipients is: “Our employer gives us a choice of either a pension or a lump sum when we retire. What is the better choice for me?” Choosing the Pension Option How is the Pension Being Funded? Your pension may be an annuity purchased from an insurance company by your…

June 1, 2020

Podcast: Glen Nakamoto — Building a Retirement Paycheck

Episode 41 of the NewRetirement podcast is an interview with Glen Nakamoto — retired cyber security analyst and financial planning enthusiast. They discuss how Glen built his own lifetime retirement paycheck with a guaranteed income floor using immediate annuities. Glen outlines how he built his plan and paycheck. Listen Now: Don’t miss out on future…

May 28, 2020

Will Pensions Make a Comeback? (Should You Make Your Own?)

Most people categorize pensions in the same bucket as eight-track tape players, rotary phones, oversized shoulder pads and cathode-ray tube TVs — out of date.  But, pensions just might become the latest retro craze — especially those you can create for yourself! NOTE: If you are lucky enough to have a pension, the NewRetirement Planner…

May 28, 2020

Podcast: Kevin Hanney — The Past, Present and Future of Pensions

Episode 40 of the NewRetirement podcast is an interview with Kevin Hanney about the evolution of pensions and the future of employer sponsored retirement & lifetime income solutions. Kevin is the Senior Director of Pension Investments at Raytheon Technologies (formed by the merger of United Technologies and Raytheon) where he helps oversee about $100B retirement…

May 14, 2020
Using an income floor for financial freedom

Building a Retirement Paycheck Through Retirement Income Planning

This deep dive into the concept of using an income floor to establish a three bucket plan for retirement income needs comes from Glen Nakamoto. First of all, just to make clear, I am not a financial advisor or anyone who has any background in financial planning. Before I retired, I was a cybersecurity analyst…

May 11, 2020
laid off due to coronavirus

Laid Off Due to Coronavirus? Here Are 9 Tips for Navigating this Uncertain Time as You Look Toward an Early Retirement (or Not)

Have you been laid off? Out of work? Considering retirement? Explore 9 tips for this uncertain time. Get through the short term and plan for the long term.

April 2, 2020
retirement jobs

14 Reasons Why Retirement Jobs Are the Best!

Retirees and other working seniors are learning that retirement jobs can be more than just work. Here are 14 reasons to consider working after retirement.

March 5, 2020
second career

Purposeful Ideas for Retirees Seeking a Second Career or a Big Life Change

Lots of people “retire” to a whole new second career or a very different way of life. In fact, for the majority of retirees, retirement no longer means pursuing a life of leisure. Retirees today are finding new purpose for their “golden years.” Some people want to change their life completely. Others just want a…

February 19, 2020

Retirement Calculator With Pension: Find the Inputs You Need!

While pensions are not nearly as common as they once were, they are a very important part of the retirement plans for many of society’s most valued workers: teachers, police officers, fire fighters and more!  However, it is surprisingly hard to find a reliable retirement calculator with pension inputs. 5 Retirement Calculators With Pension Controls:…

November 11, 2019

Social Security Benefits for Women: Avoid Making a Big Mistake

For many women, Social Security benefits are not nearly what they could be. Too many women are making a big mistake by claiming early. Why are women’s Social Security benefits typically lower than men’s? There are a few issues. Women tend to start Social Security earlier than men — lowering their monthly paycheck. The longer…

October 6, 2019

Is Age Discrimination a Threat to Your Retirement Plan?

The growing population of older Americans, and a lower propensity for retiring early, seems to create a bit of a problem for some employers. Although discrimination against older workers is fully against the law under the Age Discrimination in Employment Act, that doesn’t mean it doesn’t happen. Workplace age discrimination affects the best and brightest…

October 3, 2019

Do You Really Care About Your Wife? (Social Security Survivor Benefits Suggest Otherwise)

An important study from the Boston College Center for Retirement Research has found that husbands ignore (maybe overlook or under think) their wife’s retirement income needs when making decisions about when to start Social Security benefits. Widows (and widowers) are entitled to switch to Social Security Survivor benefits and receive their spouse’s full benefit amount…

September 18, 2019
will i run out of money in retirement

Knock Out Worries About Running Out of Money! Give Your Retirement Plan the 1-2 Punch it Needs!

Believe me, you are not alone if you have nervously asked yourself, your spouse or even a financial advisor: “will my retirement savings last as long as I do?”  Concerns about running out of money in retirement are almost universal — no matter how much money you have.  After all, there are many unknowable variables…

July 23, 2019

The Retirement Switcheroo: 6 Tips to Flip Your Mindset from Saving to Efficient Spending!

Retirement is a big deal and a huge life change. You have a whole new lifestyle and need a very different way of thinking about your money. In fact, your financial mindset needs to get flipped upside down. You need to go from a focus on accumulation (saving, saving, saving) to spending (efficient use and…

February 6, 2019

Podcast: Ken Goldberg & Eric Brewer – AI, Automation and the Future of Work

Episode 22 of the NewRetirement podcast is an interview with Ken Goldberg, a Robotics Professor from Berkeley, and Eric Brewer, a VP at Google and a Professor of Computer Science at Berkeley. We discuss Artificial Intelligence, Robots, Automation and the Future of Work. We’re live in studio in Mill Valley CA and we cover the…

January 23, 2019
unhappy at work

Are You Unhappy at Work? Is Retirement the Right Answer?

Job satisfaction in the United States has been falling since the late 1980s.  Across all economic and age levels, around 50 percent of all American workers are unhappy at work according to the Conference Board who has been doing job satisfaction surveys for almost 20 years. Is retirement the answer? Are you retiring to run…

September 20, 2018

Podcast: Mary Beth Franklin on Avoiding Big Social Security Claiming Mistakes

Episode 10 of the NewRetirement podcast is an interview with Mary Beth Franklin.  Mary Beth is a nationally recognized expert in Social Security claiming strategies.  In fact, she literally wrote the book (“Maximizing Your Clients’ Social Security Retirement Benefits,”) that retirement planning experts use to advise clients on Social Security. Listen to find out why…

June 7, 2018
retirement income conference

9 Powerful Insights from the Retirement Income Summit

Earlier this week I traveled to Chicago to attend the Retirement Income Summit — a financial advisor industry conference focused on the latest ideas about how to improve and secure retirement income. I saw presentations, met up with insiders in the financial services industry and found a few ideas to help you have a better…

May 3, 2018

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