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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jobs for seniors

Jobs for Seniors: Prospects Improve Greatly for Older Workers

A recent study reports that jobs for seniors are easier to find. The average retirement age is being pushed back each year and there is no longer a “typical” definition of what retirement is. A large number of older Americans don’t necessarily ever want to stop working completely, for reasons such as keeping themselves busy,…

August 18, 2016

How Do Clinton and Trump Compare on Social Security and Other Retirement Issues?

Should retirement issues influence how you vote?We are in the midst of a presidential election like none that has ever come before.  And with record numbers of people turning age 65, retirement issues are important. If you are at or approaching retirement age, you may wonder which candidate is a better bet for your interests…

July 20, 2016
social security disability

Expert Interview Series: Sheri Abrams on Social Security Disability

An illness or injury can totally derail the best laid retirement plans, making it difficult or impossible to earn an income. In 2014, 2.5 million Americans applied for Social Security Disability. But only 810,973 were granted disability payments. What happened? What went wrong? Government agencies can be tricky to navigate at the best of times,…

May 16, 2016
social security

3 Big Social Security Changes: What Do They Mean for You?

A few big new Social Security changes will begin being implemented on May 1, 2016 Most of these rules aim to eliminate the ability to manipulate benefits so that you can continue to delay the official start of your own Social Security payments — thereby maximizing your monthly benefit amount.  The longer you delay starting…

March 30, 2016
Social security benefits

Thought Leader Series: Retiring on Only Social Security: Great or Terrible Idea?

Rebecca Wiggins is the Executive Director of AFCPE and holds a Masters of Family Financial Planning from Kansas State University. Search for an AFCPE Certified Professional in your area by using the association’s search tool. Now in its 80th year, Social Security is still the cornerstone of the American retirement plan. Following the Great Depression,…

November 2, 2015
Improve your retirement plan

Know Your Social Security Choices to Improve Your Retirement Plan

Choosing the right time to claim your Social Security benefits could improve your retirement plan. If you review your Social Security choices — your options for claiming Social Security benefits, you will find that you can increase your monthly Social Security income by waiting until after you are 62 years old to claim your benefit.…

October 28, 2015

Supplement Retirement Savings with Income Made Online

Most people have big dreams for how they hope to spend their retirement. Unfortunately, sometimes people end up bored or without enough money to fulfill their goals. When people discover they cannot continue with their desired standard of living, they may end up not retiring at all (or decide to get a part-time job to…

September 14, 2015
Social security

Will Social Security Really Be There When You Retire?

With Social Security celebrating its 80th birthday this year, it’s a good time to reassess whether the program still works, and whether it might even exist once your retirement rolls around. It’s seen its share of negativity, with many people doubting its solvency and ability to roll with the unsteady times. But a funny thing…

September 11, 2015
retirement work

Retired Boomers Going Back to Work: It is Not About the Money!

Today, more people are continuing to work at some capacity during retirement compared to past generations. And the reasons—as well as the benefits—leading Americans back to the labor force in what’s supposed to be their “non-working years” are not entirely money motivated, a recent study finds. Many retired Baby Boomers (Americans born between 1946 and…

August 27, 2015
Social security

Happy Birthday, Social Security: You’re 80 Years Young!

August 14 marks the 80th birthday of the program that we know as Social Security. Eighty years ago, the country was suffering through the Great Depression. Jobs were worse than scarce, and families were worse than poor. Pensions had all but disappeared, so the elderly suffered along with younger people who couldn’t find adequate work.…

August 12, 2015

4 Big Surprises About Working in Retirement (Some Good & Some Bad)

Most Americans approaching retirement have acknowledged — even embraced — the notion that they will want or need to work in retirement. But they may be in a for a few BIG surprises. A new study of nearly 3,300 baby boomers suggests retirement job expectations may not be realistic. Commissioned by the Bankers Life Center…

August 3, 2015

Real Life Stories of Retirement Jobs! What Are You Going to Be When You Grow Up and Retire?

Retirement doesn’t mean what it used to, at least not for everyone. There was a time when leaving work meant winding down for good. Now, it’s often just the beginning of a whole new life phase, one where you can learn new things, put established skills to work, and supplement your retirement income in a…

July 8, 2015
Working past 65

Working Past 65 — Sometimes it is Good for Your Health; Sometimes Bad

It’s no secret that many older Americans are working past traditional retirement age. Whether working later in life is due to financial necessity or a desire to stay active, it’s clear that many people are trying to retire later. A recent Gallup poll shows that nearly four in 10 Americans plan to still be working…

June 24, 2015

Is it Possible to Know How Long You’ll Want to Keep Working?

Whether to keep working or retire is one of the most difficult decisions you’ll make in life. It changes everything, and starts a whole new phase. While there’s no crystal ball, one thing is for sure: Being cautious with this choice can only serve you well. CNBC’s Kelly Holland explains in the article, “Ready to…

May 6, 2015

Should I Take a Lump Sum Pension Offer? Use a Lump Sum Calculator and a Retirement Calculator

If you are debating whether or not to take a lump sum pension offer in place of lifetime benefits, it’s important to understand key information in order to make an informed decision. According to a new Government Accountability Office report, many of the informational materials provided by sponsors offering lump sums do not present enough…

April 13, 2015
Social security

How Can I Be Sure it’s the Right Time to Start Taking Social Security?

Choosing when to claim your social security benefits can be one of the most important decisions that you make in retirement. Proper timing is important, but with conflicting information and advice, it can be hard to determine what the best course of action is for you. Let’s explore what factors you should consider when making…

March 9, 2015
Social security

How is My Social Security Payment Calculated?

You can reasonably count on Social Security benefits once you retire, but determining how much you’ll receive is a different story. There is a formula, of sorts. But as Mark Miller for Morningstar explains, it’s still complex. Although you might not come to a precise dollar amount in predicting your benefits, it’s still interesting to…

March 4, 2015
Work during retirement

Ric Edelman on Whether You’ll Have to Work During Retirement

Retirement is not what it used to be. In the past, retirees could get by on a combination of Social Security payments, their company’s pension, and their retirement savings, but this model is slowly fading. Now, many people don’t have enough to fund their retirement and find that they have to work during this time…

February 25, 2015

5 Part-Time Jobs That Might Keep You Happy in Retirement

Being retired doesn’t mean that you have to stop working. Many retirees enjoy part-time work both for the boost in income and for staying active in the world. Not every job is right for every person. There are some that might not suit your style, but others could be exactly what you’re looking for. Here…

February 25, 2015
Pension plans

Expert Interview with Jonathan Broadbent About Pension Plans

Planning for retirement has changed a lot in the last 20 years, and it is safe to assume that it will be nearly unrecognizable in another two decades. When you’re already struggling to keep up with life, how can you expect to keep up with all the changes with retirement plans, let alone understand them?…

January 26, 2015

Retirement Planning: Congress Allows Some Pension Benefits to Be Cut — Even Benefits for People Already Retired

Anyone with a multi employer pension is at risk of cut benefits. You’ve probably seen it in the movies. A worker reaches retirement and the company presents him or her with a gold watch and a nice, comfortable pension. That kind of security makes devoting years of your work life to a single company or…

January 5, 2015

How I Boosted My Social Security Benefit by $100,000

If you are like most people facing the prospect of retirement, you are probably figuring out how to generate enough income for retirement that it will last as long as you need it to.  This article will talk about two of the biggest strategies you have for generating retirement income: when and how you should…

December 19, 2014

Retirement Planning: 5 Ways to Make Sure Your Retirement Income Lasts as Long as You Do

Whether retirement means kicking up your feet, pursuing a new career or enjoying a favorite hobby, there’s one looming concern most Americans share: running out of money. A study from Allianz Life Insurance found that most Americans fear running out of money in retirement more than they fear death. Sixty-one percent of all respondents said…

December 10, 2014
Social security

Retirement Directions: What to Know About Social Security

Retirement is a tricky business. You can save and plan your whole life, but that doesn’t mean you’ll know how to best use your Social Security benefits. Counting on the Social Security Administration (SSA) to help you find your way doesn’t always work either. And then there’s the elephant in the room, which is the…

November 24, 2014

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