Retirement Savings and Investments News, Information and Guidance

retirement advice

Retirement Advice: 8 Tips from an 80 Year Old Who Has More Savings Now than When He First Retired

Retirement advice and how it is implemented can have a profound impact on your retirement lifestyle and the estate you might leave behind.  Here Henry K. “Bud” Hebeler outlines concepts that helped him not only achieve a secure retirement but also be better off now than when he first retired. Get more from Bud at…

Bud Hebeler’s 2017 Economic Outlook: 6 Reasons to Plan Conservatively for Retirement

The following on 2017 economic outlook comes to us from Mr. Henry K. “Bud” Hebeler.  Bud has been working with retirees for many years, developed special material for their use, and given numerous seminars on retirement. His current focus is dissemination of sound financial planning information that applies to a wide range of personal investment,…

retirement bucket strategy

Managing Your Retirement Investments: Is a Bucket Strategy Right for You?

Could a retirement bucket strategy make it easier to manage savings after you retire? If you think that managing retirement investments is difficult when you are working, we have some bad news: it gets much harder when you actually retire.  Once retired, your investments need to not only grow but also fund your lifestyle and…

Net Unrealized Appreciation

Net Unrealized Appreciation (NUA): The Tax Smart Way to Handle Company Stock in a Rollover

If you  have company stock in a 401(k), you will want to learn about Net Unrealized Appreciation (NUA) and how to minimize taxes when you rollover these funds to an IRA. Should You Rollover? Once you leave a job, or reach age 59 ½ you have the option to move your 401(k) into an Individual…

retirement investing

The 7 Retirement Investment Questions that Keep People Up at Night (and How to Rest Easy)

For those approaching retirement or already there, the question of how to invest our money to maximize returns while minimizing risk is at the heart of many of our financial concerns.  With so much out of our control and so few clear answers, retirement investment questions can keep you up at night. Here are a…

retirement withdrawals

Your Guide to Developing a Retirement Withdrawals Strategy

You’ve spent your entire working career saving and investing for retirement. Now it’s time to develop a retirement withdrawals strategy. Retirement withdrawals: break into the bank, but manage spending so your money lasts as long as you do… So, what’s the best way to go about withdrawing money from your retirement accounts to ensure that…

bad investments

The Unlucky 13: Bad Investments for Your Retirement

We have A LOT of choices for where to invest our money — both before and after retirement.  Some options are clearly bad investments. Others seem like a good bet, but probably aren’t. While we would all like to find a shortcut to massive wealth, the steady approach is probably the best route to a…

retirement withdrawals

How to Manage Retirement Withdrawals to Pay Less in Taxes and Maximize Income

A lot has been written about saving and accumulating enough for retirement. But that’s only half the battle. Once you reach retirement it is important that you manage your retirement withdrawals from various accounts as tax-efficiently as possible. Taxes will likely be one of your biggest expenses in retirement. A tax-efficient withdrawal strategy can be…

The Biggest Retirement Planning Mistakes Boomers Made and How to Fix Them

Data from the Insured Retirement Institute (IRI) suggests that Baby Boomers are completely busted and busted up about their retirement prospects.  Boomers have made some big retirement planning mistakes — even beyond giving away their record collections. The results of the IRI survey reveal that Boomers have an extremely dismal view of their future prospects. …

transition to retirement

More than 8 Esteemed Experts Offer Smart Strategies for the Transition to Retirement

The transition to retirement is exciting and scary.  Like all big events — graduations, relocations, marriage, childbirth and more — life will never be the same again. To make your planning for this transformation easier, here is advice from retirement and personal finance experts. Go for Risk and Reward You have a lot of choices…