Retirement Living

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Retirement Planning | Retirement Living | Wiseradvisor.com
Social Security Retirement Income Planning - The Critical Path You Can't Afford To Miss

Like a critical life-saving operation where every move must be perfect and every minute counts, crafting and maintaining a retirement plan entails some of the most important decisions you will ever make. It should go without...
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Are Your Retirement Growth Assumptions Reasonable

Making the right assumptions about future rates of return is critical. Investment returns assumptions can be an Achilles' heel in retirement analysis, and standardization is yet to emerge, even in the academic research. For...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Why to Do Retirement Plan?

Have you ever thought about the day when you will be retired from your work? Consider that day when you will have to work no more, and then your biggest problem will be what next? Therefore, a creative retirement plan is a...
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Five Ways to Start the New Year on the Right Foot

The New Year is a good time to take stock of your portfolio. Here are some tips on what to look at, and set yourself up for a good time down the road. By Anna B. Wroblewska   The New Year is just around the corner,...
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Retirement Planning | Retirement Living | Wiseradvisor.com
8 Financial Moves to Make for the New Year

The New Year's Eve is usually synonymous with holidays and partying. But it also signifies some important financial deadlines. Spend a little time to check if you're on track. By Paula Pant.   New Year's Eve is...
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Retirement Planning | Retirement Living | Wiseradvisor.com
The Markets are a Mess -- So Can I Retire?

What happens in the first decade of retirement can predict upto 80% of your retirement income plan outcomes.How to optimise especially for market downturns. By Anna B. Wroblewska.   You've researched Medicare,...
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Should You Save for Retirement or Pay for College?

Your kids are about to go to college. Your retirement's round the corner too. If you don't have enough time and money to reach your ideal financial goals for both college and retirement, one goal will need to take priority...
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The Unseen Risk for High-Net Worth Investors: Inflation

Having a high net worth does not necessarily mean you can relax. While you may enjoy the finer things in life, these finer things are becoming costlier over time. Here's what you need to know and how to plan accordingly...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Five Retirement Expenses That May Catch You By Surprise

You may think that your retirement expenses may be lower than your current cost of living, but the fact of the matter is that you will be adding new expenses to your plate. While you may not have considered them now, many...
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How to Play "Retirement Catch-Up" If You Had a Late Start

Better late than never. Some important guidelines to help you start working towards your ideal retirement corpus. By Paula Pant.   You've celebrated your 40th birthday (or...
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New Statistics Show What Retirement is Really Like

We're all concerned about retirement, and you may even spend a lot of time thinking about what your retirement might look like. But even if you're setting money aside, do you know what you're preparing for? ...
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The #1 Mistake People Make With Their Retirement Benefits

The world of retirement benefits is complex terrain, peppered with minefields like fine print, tricky terminology, little-known exceptions and seemingly random rules. And what you don't know can (and will) come back to bite...
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Four Ways Healthcare Costs Can Derail Your Retirement

High healthcare costs can derail even the best-laid retirement plans. If you haven't factored this in to your retirement planning, it's time to act right away. By Paula Pant   You probably think you have a good handle...
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Social Security at Tax Time: Key Strategies for Protecting Post-Retirement Income

Recent surveys tell us that working during one's post-career years is the new expectation for most retirees.   Three in four responded to a Merrill Lynch/Age Wave poll, last year, affirming that some element of a...
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5 Retirement Planning Steps Most People Overlook

Your retirement date is rapidly approaching. You’re in good financial health and you feel well-positioned for a secure retirement. But you’re still worried you might be overlooking something...
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The Post-Retirement Career: Recent Research Suggests We're Not Really Retiring (Even if We Think We Are)

By James O'Brien.   Recent research shows that 47% of retirees say they end up working  or they plan to work after retirement. And that's not just a post-recession necessity: some 72% of retirees polled in an Age...
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How Preparing for Retirement is Different for Women and What We Can Do About It

Most women in America will be disproportionately impacted by America's retirement process, and not in a good way. Women face unique challenges when it comes to retirement, including: Women face the reality of longer lives...
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Over 50 and not ready for retirement? Here's how to catch up.

Ideally, you've been saving for retirement since you graduated college. Unfortunately this is rare, and there are many people who are in their 50's and still ill-prepared for retirement. When you're 50 and above, you want to...
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Is early retirement the right choice?

There is nothing like retiring early and enjoying the fruits of your labor. However, retirement plans can be quite complex and you need to understand both the pros and cons of starting your post-work life early. Drawbacks...
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How to Avoid Costly Retirement Regrets

New retirees often worry about how to sustainably afford retirement, and many wish they could have a retirement planning do-over. The good thing is that it's never too late to revise your financial plans and avoid common...
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Giving the Gift of Retirement: Small Sums, Lifetime Assets

By James O'Brien.   Want to make a difference in your high-school senior's life, one that will grow into something even more significant as time goes by?   Here's one way. Give the graduation gift of a...
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How to Ensure a Worry-Free Retirement

By Anna Wroblewska. Financial markets are, unfortunately, totally unpredictable. While your retirement savings could be growing rapidly in one decade, they could easily fall or stagnate in the next. Added to all the other...
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5 Expenses That Can Blow Your Retirement Budget

By Paula Pant. When it comes to planning for your retirement, you may assume you'll need roughly the same amount of money you live on today. That should give you a standard of living your comfortable with, and you may even...
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The Geography of Retirement: Where You Live Makes a Difference

By James O'Brien. It's an oft-cited piece of advice: If you want to maximize your retirement savings and investments -- in other words, get the most for your fixed-income buck -- then moving to a community with a...
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Gen X at the Crossroads: Baby Boomers' Kids Could Face a Retirement Squeeze

By James O'Brien.   It's almost as if history conspired against Generation X.   The dot-com bubble burst at the turn of the century, disrupting many Gen-Xers who were in the early years of their careers. And...
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How to Plan for Retirement as a Stay at Home Parent

By Anna Wroblewska. Are you a stay-at-home parent? Whether you're new to the job or have been in it for years, one thing you shouldn't forget about is retirement planning. Here's how you and your spouse can make the most...
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Why Retirement is Over-Rated

By Paula Pant. "How much money do I need to retire?" "How much should I be saving per year toward my retirement?" "Should I save for my kids' education first, or my retirement?" If you're on a quest for financial...
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Pros and Cons of Early Retirement: Realities and Strategies

SUMMARY: Early retirement might sound like a way to win extra time in one's personal life, but the financial realities can be challenging. We look at the facts surrounding retiring early, and at some strategies to live...
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The Late Planner's Guide to Retirement Catch-Up

James O'Brien We tend to think that every smart and successful retiree began his or her savings plan early on, dutifully funneling an annual percentage of their income into a 401(k), starting with their first job. And...
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How Do Freelancers Retire? Savings Plans for Independent Professionals

By James O'Brien. When we talk about retirement planning, we're often basing our conversation on the presumption of traditional employment, which comes with certain assumptions -- benefits, employer contributions, the...
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Retirement Planning | Retirement Living | Wiseradvisor.com
A Retirement Gender Gap? Why It Exists and How to Start Closing It

By James O'Brien. There's good news and bad news about how and what women save for retirement. The good news is that a majority of women tend to save more than men -- some 7% of their earnings, on average, according to...
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8 Tips to Help You Plan for Retirement if You're Starting Late

By Paula Pant. So you recently decided to become serious about retirement planning. You bought a few books, read a few online articles, and found yourself growing disheartened. You discovered that you should have begun...
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Millennials and Retirement: 5 Ways to Rethink the Future of Your Working Life

By James O'Brien.   The United States will soon fully understand what a millennial workforce means. The generation, which includes present-day adults aged 18 to 33, will make up some 50% of the nation's employees by...
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Retirement Planning | Retirement Living | Wiseradvisor.com
The Cat Food Dilemma

When I left the Army in 1973, it was to go to work for the Dupont Walston brokerage firm. Our training center was in Los Angeles about three blocks down Wilshire from the Ambassador Hotel when Sen. Robert Kennedy had been...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Personal Assets and Investable Assets: New Retirement Income Trends

By Justin Stoltzfus March 20, 2014 As financial experts sound the warning bells about the American retirement planning crisis, and how little the average worker has saved toward his or her golden years, all kinds of...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Retirement Changes: Health Care, Social Security, and Medicare in 2014

By James O'Brien. How much do you know about the three largest learning curves that most retirees must face? In dealing with health care costs, Social Security, and Medicare, there are hurdles that can entangle even the...
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Retirement Planning | Retirement Living | Wiseradvisor.com
2014 a Banner Year for Early Retirement?

By Justin Stoltzfus. Those who keep a close eye on American financial trends for consumers are commonly predicting that a lot more of us will choose to retire early in 2014 and future years. Implementation of the Affordable...
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Capital Gains Tax: What You Need to Know in 2014

By James O'Brien. If you're prepared to pay higher taxes because of your income bracket -- especially if you're drawing on dividends, long-term investments, or sales of assets in the process -- then 2014 is a year to give...
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Retirement Planning | Retirement Living | Wiseradvisor.com
How to Better Prepare for the Unique Retirement Challenges that Women Face

Saving for retirement remains one of the most important financial goals for both men and women. While saving for retirement is a huge endeavor for everyone, women face a variety of unique challenges and obstacles that...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Turning 50 or Older? Don't Miss These Critical Retirement Milestones

By Paula Pant. Most of us would love to enjoy a retirement that allows us to play golf, hang out on the beach, volunteer for worthy causes, spend time with our grandkids, travel to Europe, and do all types of other amazing...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Obama's Budget Preserves COLA for Social Security: What it Really Means to Seniors

By James O'Brien March 8, 2014 Despite a narrow brush with a new reduction to Social Security benefits, seniors will not see the proposed move to a more conservative cost-of-living adjustment, or COLA, in 2014...
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Redefining Retirement

We are an aging population, yet even as more of us grow older, we have become more active and are embracing the future with a passion rarely seen in previous generations. At the turn of the 20th century, the average life...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Cutting Expenses after Retirement

Accumulating the funds necessary to support yourself during retirement, a period that could easily span 20 to 30 years, is no easy task. But how much you need to accumulate is directly tied to your expected expenses during...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Should You Elect Early Social Security Benefits?

One of the most critical decisions regarding Social Security benefits is deciding when to start those benefits. The age for full Social Security benefits is increasing from 65 to 67 for individuals born after 1937. You can...
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Retirement Planning | Retirement Living | Wiseradvisor.com
The Perplexing World of Social Security and Earnings in Retirement

Launched in 1935 during the Great Depression as a principal component of Franklin D. Roosevelt's New Deal recovery program, the Social Security System has earned an unquestionable reputation for the reliability of its...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Retirement Management: Planning To Turn Present Dreams into Future Realities

Retirement can be one of the most active times in an individual's life. However, it can also be one of the most expensive. Attributed largely to lack of planning, many retirees are finding themselves in their golden...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Increasing Life Expectancies May Require Additional Retirement and Estate Planning

According to the U.S. Census Bureau, people today can expect to live longer in retirement than ever before. Increased life expectancies mean we?ll all probably have to do a better job of planning for our retirement and...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Retirement Planning: Scared or Prepared?

If you are planning on winning the lottery, don't bother reading this. For the rest of you, however, it is never too early to begin planning for a comfortable retirement. Given the new economic realities of retirement...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Why Plan Now For Retirement?

Start Retirement Planning Now Financial advisors, financial journalists and other professionals are all telling us it's never too early to start planning for your retirement, but lots of them are leaving out some of the...
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Five Common Retirement Planning Mistakes

Saving for retirement is among the most important investment objectives, regardless of your age or stage in life. But simply resolving to put money away for the future may not be enough to ensure the comfort and security...
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Planning for Early Retirement

Some people retire by choice. Others do so involuntarily because of corporate restructuring that has drastically cut the ranks of middle management. Even if a person does not intend to retire early, or is only in their...
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Evaluating Early Retirement Offers

Company-sponsored early retirement programs can be very attractive. These early retirement programs can offer the chance to make a career change, to spend more time as a volunteer in the community, to go back to school,...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Preparing for Retirement: Some "Get It", Some Still Don't

Legislation passed in the last several years gave people saving for retirement the ability to put more money into IRA accounts and qualified retirement plans and reap significant tax benefits. Welcome news as Americans...
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Darn if You Work, Darn if You Don't!

When are Social Security checks potentially loans and not benefits? Well, when you have "excess earnings" of course. In today's economy, many senior citizens still work during their "retirement" either because they want to...
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Retirement Planning | Retirement Living | Wiseradvisor.com
The 46% Marginal Bracket

Thanks to the Omnibus Budget Reconciliation Act of 1993, better known as the Clinton deficit reduction program, most Social Security benefits are subject to income tax. Those affected are Social Security recipients who have...
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Top 10 Ways to Beat the Clock and Prepare for Retirement

Instead of going online, you can get any Employee Benefits Security Administration publication listed here by calling the U.S. Department of Labor at 1-866-444-3272. There is no charge. (Note that IRS Publication 590 comes...
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Retirement Planning if You started late

By Paula Pant January 17, 2014   You celebrated your 40th birthday with a cake, cards, and a niggling worry in the back of your mind that you should start planning for retirement.   You began reading about...
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5 Financial Moves You Should Make in 2014

By Paula Pant January 7, 2014 If you're like many people, you've recently resolved to shed a few holiday pounds, reach some career or business milestones, and improve your financial life. But how? Should 2014 be the...
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Circle These Retirement-Planning Deadlines on Your Calendar

Circle These Retirement-Planning Deadlines on Your Calendar By Paula Pant Who doesnt love the idea of retiring on a tropical beach, near a beautiful mountain vista, or in a wooded forest?   Retirement may be the...
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Don't Wait to Plan Your Retirement

Most of us find it easier to earn and spend money than to save it. Planning and saving for retirement too often take a back seat to other priorities. Why is procrastination the rule, rather than the exception when it comes...
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Retirement Income Plan

Coming up with a plan to replace a weekly paycheck once retirement comes knocking is essential to making sure your money lasts as long as you do. The basics for designing this plan rest on the 'three legged stool of...
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Ten Things You Might Not Have Known About Social Security

Social Security is a lot like the ozone layer--we all know it's there now and we count on it being there in the future. Yet most people don't know much more about it than that. Here's a short list of interesting facts...
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Plan Today for Retirement Tomorrow

Planning and saving for retirement, like cleaning out the attic, may be something you figure you'll get to later. But when "later" arrives at retirement age, you may not have the financial resources to enjoy your golden...
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Flipping the Switch to Retirement

Flipping the switch from work to retirement mode is not quite like flipping a switch to light a room. It's not a black and white transition, and neither is handling your investment accounts during the change.   Have you...
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Time for a Financial Tune Up?

In the front window of the bike store near my home there's a big sign that reads, "FREE LIFETIME TUNE UPS!" When you buy a bicycle, as I did recently for my daughter Jenny, you can bring it back anytime for a free tune up...
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Retirement Planning: Don't Let Outdated Retirement Statistics Leave You Underfunded and Unprepared

Forbes Magazine ran a cover story entitled "Retirement: Why You Won't Need As Much As You Think". In the article, economist Laurence Kotlikoff stated that most financial planning calculators and software programs...
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Budgeting to Retire

The old adage ?out of sight, out of mind? is never truer than when it comes to budgeting for retirement. Starting young is the best strategy. But typically, nothing is further from a young person's mind, especially when...
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Short Term Retirement Planning

One way to make any event stressful is to head into it unprepared. If you're within five years of retirement, to ensure a smooth transition, take the following five steps as soon as possible. Increase cash reserves The...
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Major Retirement Planning Blunders

Exposing more than 10% of any portfolio in one holding or stock, be especially diligent to limit your portfolio exposure in company stock. Why is it essential for you today and in the future to financially support your...
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Retirement Myths

It is an unfortunate fact that many Americans spend less time planning for their retirement than planning for their vacations. All it takes is intelligent planning and a clear understanding of the myths that hinder us from...
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Seven Things NOT to Assume About Retirement Planning

You?ll retire at age 65 and live to age 80. Forced early retirement is a trend that won't go away soon. Aim to retire at age 65, but calculate that you might have to retire at 58 and calculate that you?ll need enough...
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Retirement Planning: Understanding Your Withdrawal Alternatives

More than 20 million Americans currently participate in 401(k) plans through their employers with an average account balance around $30,000. These pension plans can help to provide security for a comfortable retirement....
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The Word "Retirement"

The word ?retirement? brings great worry to many Baby Boomers. They often worry if they will be able to retire and if they can retire, how much money will they need to have in savings and investments. Let's discuss how...
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The New Face of Retirement Planning

Retirement these days just isn't what it used to be. A generation ago, many Americans spent their golden years pursuing mostly sedentary activities like fishing or golfing. Today's retirees are redefining this phase....
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Where to Spend Your Retirement Years

Retirement! Certainly, the word paints different pictures in different minds. For some, it bodes fishing; others look to crafts and hobbies, travel, volunteer opportunities, golf or other activities. Some may want to...
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How Much Will You Need to Retire?

How much money will it take for you to retire in style? Will $1 million do the trick? How about $5 million? Or perhaps you can get by on less. If the question leaves you scratching your head, you?re not alone. Fewer...
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Maximizing Your Wealth

When advising clients on a suitable rate of withdrawal from their portfolios during retirement, we face the challenge of recommending a level of withdrawal that could be less than possible, often less than desired, but...
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Striking a Delicate Balance

When the day comes for you to begin drawing a retirement income, will you know how much you can withdraw safely from your investment accounts? If you don't have a withdrawal plan, you may run the risk of taking too...
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The Changing Retirement Landscape and How to Prepare for It

With a continued influx of baby boomers retiring, the retirement landscape is about to undergo a seismic shift. What does it mean to be a baby boomer? First, there's demographics: Between 2000 and 2011, the percentage of...
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Make Your Retirement Your Priority

Many Americans who planned to retire within the next five to ten years are unhappy to find that their long-term savings, their nest egg, falls short of what is needed to retire when and as comfortably as planned. They are...
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What It Means to Be a Baby Boomer

With the oldest baby boomers turning 60 this year, the retirement landscape is about to undergo a seismic shift. What does it mean to be a baby boomer? First, there's demographics: 26.5 million leading-edge boomers, those...
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Don't Make These Retirement Planning Mistakes

We all recognize the importance of planning and saving for retirement, but too many of us fall victim to one or more common mistakes. Here are four easily avoidable mistakes that could prevent you from reaching your...
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Getting To Retirement With Sufficient Income

There are a few basic calculations you can make, regardless of your income or your age, to come up with a number you need to know. Ahh retirement. For some folks, it's time to pull up a rocking chair and enjoy a cold...
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Early Retirement Begins with Early Retirement Planning

Everyone dreams of throwing away his or her alarm clock, saying goodbye to early morning commutes and, instead, waking up to leisurely read the paper, sip fresh coffee and pursue his or her life's ambitions as an early...
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Having a Happy Retirement

Never Too Early. Never Too Late. There's no wrong time to plan for your retirement. Sooner is, of course, better & making it possible for a 30-year-old, who saves for retirement consistently, to be a millionaire by...
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Baby Boomers Gain Access to Retirement Accounts

Most people stopped celebrating half birthdays when they were children. But this year baby boomers turning 59 & have a reason to celebrate. July 1, 2005, marked the day the first baby boomers have access to their IRAs, some...
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Withdrawing Retirement Funds

After retirement, you're likely to find your retirement savings include several different vehicles, which might include 401(k) plans, individual retirement accounts (IRAs), profit-sharing plans, and taxable investments...
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Get a Plan for Retirement

Given much thought to retirement lately? Don't make the mistake of thinking about what you'd like to do when you retire, but not how you're going to finance that retirement. Start planning now, following these key steps: ...
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Retirees Must Protect Themselves From Inflation

Consumers with a fixed income will quickly learn that even mild inflation can take them off track. While current inflation rates are nowhere near the 1970's or other times of extreme inflation, retirees today, for numerous...
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Deciding on a Withdrawal Rate

It's probably one of the most important decisions you'll make when you retire - how much to withdraw annually from your retirement assets. Take out too much every year and you may have to seriously reduce your standard of...
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Worried About the Future? You're not Alone

According to a recent survey, even the wealthiest Americans believe they need more money to secure their future - $2.3 million, on average1. Everyone wants to feel financially secure. The question is, how do...
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Measuring Your Nest Egg

You may have a specific vision of your retirement & traveling the world, downsizing to a beachfront cottage or spending time with your friends and family. You might want to get back to some of your old hobbies or start new...
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Great Expectations

Today, 51 percent of Americans aged 60 to 64 remain in the workforce1. For these and other Americans, retirement doesn't mean slowing down. But from modifications in schedules, lifestyle, and income, retirement almost...
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Social (In)Security

If you've been following the discussion, the question on your mind probably is whether or not the system needs to be changed or not, so let's try and shed some light on it. In last year's State of the Union address,...
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Social Security Inequality?

Most of us work all of our lives to try and secure a comfortable retirement. About 26% of us will not live long enough to collect social security. Almost everyone who works today pays into social security . There are some...
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Review Your Social Security Statement

The Social Security Administration automatically mails Social Security statements to all workers age 25 and older who do not yet receive benefits. The statements arrive annually, approximately three months before your...
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Trends in Retirement

The first of nearly 80 million baby boomers this year will reach the magic age of 59, when they can take distributions from tax-deferred retirement plans without incurring a 10 percent early withdrawal penalty. But don't...
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Thinking of Working During Retirement? What You Should Know to Avoid Tax Pitfalls

According to a recent AARP survey, seventy percent of workers 45 years old and older have other ideas about retirement than just sitting back in their favorite recliner. They plan to work during their retirement years. While...
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How Much Do You Need to Retire?

Where do you want to be during your golden years? Do you want to see the world? Buy that sports car you dreamed of? How about that retirement beach house? To start planning, write down your goals for retirement. Once you...
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Boomers Pioneer a New Kind of Retirement

Even as they age, baby boomers continue reshaping modern life. From rock and roll to botox, signs of their innovative (some would say rebellious) spirit are still coursing through the American landscape. And now, it's...
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Retirement Planning | Retirement Living | Wiseradvisor.com
So What Will You Do in Retirement?

How much will you need to live a comfortable retirement? It's a question that can't be answered without giving serious thought to how you really want to spend your retirement. Retirement is no longer viewed as a time to...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Should You Even Think about Early Retirement?

Not so long ago, most working people wanted to retire early. Then came the sharp declines in the stock market. All those assumptions about how much you could earn on your investments and how long your money would last no...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Re-Inventing Retirement

Throughout most of the 1900's, the basic, more linear retirement model was one of having a career with a single company, retiring at the age of 55 to 65 and then facing approximately 10 years of retirement. We have all been...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Solving the Problem of the 30 Year Retirement Income Stream

60 million plus adults all have the same problem. They will turn 60 this year through 2021 and they may be the first generation to out live their savings in huge numbers all at the same time. The infamous ?Baby Boomer...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Retirement Income Planning: Why an Appropriate Withdrawal Rate Matters

Accumulating enough assets for retirement may be the top priority for investors. However, the amount that is withdrawn from a portfolio each year during retirement is what may ultimately determine how long retirement assets...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Do Retirees Need a New Investment Strategy?

First growth, then income. If you're like most investors, you want to achieve growth while you're working and income after you retire. But that doesn't necessarily make it smart to change your investment strategy when you...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Retiring at 55: Rules of the Road

Do you want to retire before Social Security kicks in, say at age 55? Should you? Could you? The Rules of the Road Plan on living longer than the charts show. Your money has to last. Plan on medical insurance premiums...
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Retirement Planning | Retirement Living | Wiseradvisor.com
Women Face Unique Retirement Challenges

Saving for retirement remains one of the most important financial goals for both men and women. While saving for retirement is a huge endeavor for everyone, women face a variety of unique challenges and obstacles that...
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