Strategy of Retirement Planning

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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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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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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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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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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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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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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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 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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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? 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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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