Retirement Planning

Your retirement plan is a roadmap to your future, but like all plans, it is likely to evolve and change over time.

The economy will not behave exactly as you have anticipated and your own life and goals will also change over time.

And, the best retirement planning goes way beyond your savings and investments. Numerous other factors like Social Security, when you stop work, your longevity, home equity, debt, taxes, income sources, inflation, spending, healthcare costs, lifestyle choices, and more may actually represent greater value or be more important than your savings with regards to your overall financial wellness.

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how to retire

How to Retire When it Feels Out of Reach

Retirement sounds great, but is it really in the cards for most Americans? Today, more than in recent years, many people are finding that while they’d like to retire, they’re not able to. Many of us want to know how to retire when we have not saved enough money.  We feel that retirement is simply…

April 18, 2016
Baby boomers retiring

Retiring Soon? 6 Big Changes for Retirement 2016

If you are retiring soon, there are a number of important changes and updates in 2016 for retirement planning. 1. Retiring Soon? Make Sure You Can Afford a Long Retirement If you are in your 50s, 60s 70s today, you are likely to live longer than your parents. Baby Boomers are the first generation to…

March 29, 2016
Can I Retire?

Can I Retire Now? 4 Important Questions for Your Long Term Happiness, Health and Wealth

We are all asking ourselves, “Should I retire?”  “When can I retire?”  “Can I retire now?” “…What about now?” While the answer to these questions is highly personal, it might do you good to consider the real benefits of delaying retirement.  A delayed retirement can indeed make you happier, healthier and certainly wealthier. Delaying retirement…

March 23, 2016
Top places to retire

Top Places to Retire in 2016

The “top places to retire” really is a subjective topic. Warm and tropical locations nearly always rank high. That makes a lot of sense. Even if you’ve lived up north for most of your life, wouldn’t it be nice to retire from shoveling snow, too? But what if your idea of the most perfect place…

March 16, 2016
Ready for Retirement

Are You Ready for Retirement? Do You Have the Right Answers to these 4 Questions

Wanting to retire is a vastly different concept than being ready for retirement. Even if you are already retired, you might not be sure if you are actually adequately prepared for this time of your life. So, how do you know if you are ready for retirement?  Here are 4 questions to ask yourself: Do…

March 2, 2016
Planning For Retirement

Preparing for Retirement? Do This Now — Key 2016 Retirement Dates

Preparing for retirement means a lot more than dusting off golf clubs, passports and your  chaise lounge… Anyone near retirement age needs to keep up with all filings: taxes, Social Security, Medicare and retirement accounts. Here is your guide to key dates to help get the most out of your retirement finances and retirement benefits…

February 12, 2016
happy retirement

Simple Living in Retirement: A Happy Retirement is the Ultimate Luxury

There’s a trend in retirement, and it’s not the luxurious life dripping with luxury vehicles and champagne breakfasts. A simpler and more modest approach has started to gain on the desire for more and bigger things. It’s a scaled down lifestyle where fewer possessions and worries mean more life satisfaction, and it’s attainable on a…

January 25, 2016
financial freedom

6 Ways to Achieve Financial Freedom for Retirement

Financially free. It sounds like a great idea, for those who can afford it. But affording it has less to do with how much you earn and more to do with how well you plan for it. There are lots of ways to accomplish financial freedom in retirement. Maybe you’ll continue working. Plenty of people…

December 28, 2015
best states to retire

The Best States to Retire (and the Best Age to Be) for Your Overall Well Being

Well-being in older adults can be measured in many ways, but it can also be somewhat determined by where you live and how old you are. Gallup’s recent State of American Well-Being found the best states for well being and discovered which age groups feel the most well being. Older is Better! The Gallup report…

December 16, 2015
Average Retirement Income

Average Retirement Income 2016: How Does it Compare to Your Plans?

The average retirement income is probably a lot less than you think. As surprising as it might sound, the average American’s retirement income is barely over $1,500 per month or about $18,000 annually, according to the Pension Rights Center. Retirement Income Does Not Grow on Trees… Depending on where you live, that might not even…

December 1, 2015
Annuity calculator

How Retirement Calculators Maximize Your Retirement Income

Planning for retirement income sure is different from what it seemed to be a few generations ago. Pensions are practically nonexistent now, but employer-sponsored 401(k) and personal IRA options help you create your own. Counting on Social Security to pay the bills isn’t the wisest idea anymore either, but it is still an important component…

November 23, 2015
retirement plan

Don’t Let Your Financial Attitude Ruin Your Retirement Plans

When it comes to retirement planning, everyone’s goal is pretty much the same: save enough so that you may live comfortably in your non-working days. But for a majority of Americans, this is easier said than done. While Americans do place goals like having a secure retirement high on their list of financial priorities, their…

November 11, 2015
Retirement plan

Retire a Millionaire on $35? Dave Ramsey’s Retirement Plan

Is it really possible to retire a millionaire by investing just $35 a week? Money management expert and financial author, Dave Ramsey, seems to think so. He claims that it is possible even for those of us who don’t have an abundance of disposable income.  While we may find it hard to save for retirement,…

November 10, 2015
Planning for retirement

Planning for Retirement Through Life’s Changes

There’s no single way to go about planning for retirement. That’s not just true from person to person, but it’s also true for you through the years. A good approach for you at 25 probably won’t be the same as when you’re 40 or 60 years old. In fact, it will probably look a lot…

November 9, 2015
Retirement

6 Ways Retirement Calculators Can Help You

The retirement calculator is an excellent retirement planning tool because it makes it easier for people to get a more accurate picture of what their financial needs will be in retirement. But this free tool can only help you plan for retirement if you actually incorporate what you learn into your own retirement planning. Below,…

October 28, 2015
Your retirement

Thought Leader Series: 4 Money Mistakes That Will Ruin Your Retirement

Stephan Baldwin is the Director of Business Development for Assisted Living Center, an online resource for aging care communities. You’ve worked…you’ve saved…and now it’s time to enjoy your retirement years. You may think you have enough in your accounts to get through the next 25, 35 or even 45 years (and that may be the…

October 28, 2015
retirement planning

Americans Not Confident in Society’s Ability to Handle an Aging Population: Here’s How We Fix That

As a population, Americans are living longer now than ever before. While naturally this is good news, increased longevity of lifespan has serious financial implications for your savings and even your ability to live comfortably during retirement. But with 78 million Baby Boomers (born between 1646-1964) entering or approaching their retirement, the U.S. faces a…

October 28, 2015
Retirement life

What is Retirement Life Really Like?

Retirement life isn’t what it looks like from the outside, not even if you’ve planned it down to the nth detail. Because of that, more than one pre-retiree has lost a little sleep worrying about what’s to come, and whether they’re ready for it. You can’t really know, but you can get a good idea…

October 26, 2015
Retirement calculators

Early Retirement Calculator: Crunch Your Numbers and Find Your Earliest Retirement Age

Early retirement isn’t an unattainable dream. It’s what you want out of life now and in retirement that determines when you can retire. An early retirement is not the easiest thing you’ll do, but the best things in life usually aren’t. Use an early retirement calculator to find out if you have what it takes…

October 23, 2015
Retirement financial planning

6 Financial and Retirement Planning Blogs You Should be Reading

The more you read, the more you know, and the more you read about retirement planning, financial planning and personal finance the better off you’ll be. You could do a quick Google search and unearth more financial planning blogs geared toward retirement than you could shake a stick at. But financial advice is fairly sensitive,…

October 23, 2015
Retirement income

4 Ways to Make Your Modest Retirement Income Last

Not everyone has a million-dollar investment portfolio that one day will turn into retirement income. For most people, retirement isn’t filled with world travel or wining and dining. It’s just another phase of life, and one that takes careful budgeting. For those of more modest means, retirement might seem scary. When you think about the…

September 17, 2015
Retirement plan

What if Your Retirement Plan is to Spend it All?

A typical retirement plan might be to guard your savings and investments to stretch them out through an unknown period of time. With Americans enjoying longer and longer lives, that’s a rational concern and goal. Along with managing their finances scrupulously to make it last, many people want to leave something of a legacy for…

September 10, 2015
Retirement income

How Much Do I Need to Retire? Avoid These Common Planning Mistakes

There is no shortage of retirement income advice.  And, anyone can make a prediction about  how much you will need for a secure retirement. Much of this guidance is based on sentiments that have more or less stayed the same for at least a few generations. But what if that advice is wrong?  It might…

September 2, 2015
Retirement Advice

Rethink Classic Retirement Plan Advice

When it comes to retirement plans, what’s best for most people may not be best for you. You may sometimes need to go against traditional advice instead to create your optimal retirement plan. Consider how these common tips could affect you before deciding whether to incorporate them into your retirement plan. Rethink Retirement Advice to…

September 1, 2015

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