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“Framing” the Decision on When to File for Social Security
Important financial decisions–your starting point for drawing Social Security benefits, for example–require considerable analysis in order to achieve the most advantageous outcome. Adherence to a long-term plan to save for retirement is another area where extensive thought to the future…
A COLA Increase Is Likely, But What Will the Net Be?
Recent 2018 Social Security cost-of-living adjustment (COLA) projections for seniors point toward something in the 2% range. That’s the good news. As so often is the case in life, though, there’s also a bad news aspect to the story, and that’s the…
RMDs Can Help Ensure Financial Liquidity in Retirement
Financial articles frequently present thoughts on spend-down rates for tax-deferred accounts–IRAs and 401Ks, for example–that can keep you from depleting your retirement savings base too early. Some say 5%, some say 4%, recognizing that the final outcome is based on…
The Time for Retirement Savings is Now
Robert L. Reynolds, president and CEO of Putnam Investments and Great-West Financial, offers an opinion on the importance of taking appropriate steps to promote savings opportunities for the large portion of future retirees who are behind the curve, so to…
COLA Watch 2018: About Two Weeks to go!
Just after the midpoint of October, the Social Security Administration is expected to announce the cost-of-living adjustment (COLA) beneficiaries will receive in 2018. Certainly one of the most closely-watched of economic barometers–at least by that segment of the population drawing Social…
Are You Ready to Retire?
Are you ready to turn in your retirement notice? Have you answered the seven important questions that can help you make sure you’re ready to retire? Because retirement is a life changing event, you need to be sure to plan…
Ways to Generate Extra Income and Extend the Life of Your Portfolio
Making sure you don’t outlive your money in retirement is hard for today’s retirees. There are taxes, unpredictable investment returns, rising health care costs, and inflation down the road can significantly erode the value of your nest egg. In the…
Making Your Home Work For You
Many seniors struggle financially during retirement and face money-related stress. If you are in a situation where you have left your career behind and need money, you have several options for boosting your retirement income. In the attached article, Maurie…
The Importance of Budgeting in Retirement Years
There are many steps one can take in preparation for retirement life, not the least of which is a failure to adequately plan for a financial structure that will accommodate their situation. Whether you’re retiring early or planning to defer as…
Planning for Early Retirement
According to data compiled by the LIMRA Secure Retirement Institute, retirement is on the minds of all working Americans, with an overwhelming number of workers choosing to retire early. However, for the most, the prospect of retiring at an early…