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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It’s Not Too Late to Start Planning for Retirement

Have you recently retired without a comprehensive financial plan to take you through the coming years? It’s not too late to make one. A December 2013 survey from Fidelity found that more than half of Americans are at risk of not covering their essential expenses in retirement. PwC reported similar findings on its 2013 survey…

May 21, 2014

3 Ways to Spend Less Now So You Can Retire Earlier

Many people have a countdown to the official retirement age of 65 — or whatever age you might be targeting.  However, many of us are looking for ways to retire even earlier.  Here are a few good ways to reduce your spending in such a way that you can knock a few years off your…

May 21, 2014

Massive Number of Retirees to Put Pressure on Funding Retirement – Are You Prepared?

If you’re approaching retirement age, you’re in good company—millions of boomers are right there with you. In the next few decades, one out of every five Americans will have reached or surpassed Social Security’s “full retirement age” of 65, according to the most recent U.S. Census data release. “Between 2012 and 2050, the United States…

May 15, 2014

How Interest Rates Can Have a Big Impact on Your Retirement

Falling interest rates can often signal a negative impact on a long-term retirement portfolio, as a lower rate environment means less money saved for retirement. But low rates can also have a silver lining for retirees, especially when it comes to reverse mortgages. The Federal Reserve has been keeping downward pressure on interest rates post-recession in…

May 2, 2014

2014! New Year Resolutions for Your Retirement!

As the New Year begins, it is the traditional time to set goals for improving your life. Here are a few resolution recommendations for anyone at or around retirement age: • Create a Retirement Plan: Contrary to popular wisdom, most people enter retirement without much of a long term plan. However, it is critical that…

January 17, 2014

What to do about Social Security?

If you follow the news related to retirement for any length of time these days, you will encounter some article on the woes of Social Security, either presently or imminently.  Recently, Gary King and Samir Soneji, professors at Harvard and Dartmouth respectively, wrote an article for the New York Times in which they claimed that…

January 18, 2013

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