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Retirement Planning

Proper early planning can mean the difference between a comfortable and a stressful retirement. The earlier you start the more wealth you can build, and the easier you will find your later years. Learn about 401(k)s, Individual Retirement Accounts (IRAs), Social Security and pensions. Discover retirement strategies that will make your retirement years fulfilling and relaxing.

Retirement Lifestyle Management


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 instance, Gustafson, Boldt, and Bird (2005) base their discussion on historical returns from 1926-2003, with unexplained adjustment, and Ervin, Faulk, and Smolira (2009) make similar assumptions with a later version of the Ibbotson's Yearbook. Others go back even further,... more

Social Security Benefits


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 saying that what we do toward or past the end of our earning years has a grave finality to it, since we typically won't be able to make more money to replace that lost to poor decisions, nor have the time to forgo withdrawals and wait on a couple of market cycles to make up... more

Strategy of Retirement Planning


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, which makes it the perfect time to do a bit of portfolio housekeeping. By investing a little bit of time now, you can enhance your tax situation, save some money, and set yourself up for a smoother ride down the road. Break out the eggnog or hot chocolate and take these five... more

IRA Investments


Retirement 2015: Rule Changes for the Year Ahead

Was one of your New Year's resolutions to get up to date and better informed about your retirement plans? If so, you're on the right track. The start of a fresh calendar is the perfect time to re-up your financial self-improvement goals.   As 2015 gets underway, understanding your options when it come to how you save and invest for your post-work years doesn't have to be a daunting process. From the introduction of MyRA plans to changes in contribution limits and income thresholds, let's... more

Pension Planning and Benefits


How Much Savings, How Much Growth? (A Guide to Your Own 'Right' Retirement Blend)

By James O'Brien. The market might be enjoying record highs , but investors are increasingly committed to their cash. And that includes retirees. A recent report from State Street's Center for Applied Research shows that investors are leaning in the direction of cash allocation. In part, that means they're opting for perceived security, when it comes to holding onto their money against potential market changes, but it also means that many of them are giving up the returns that higher-risk... more