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Retirement Lifestyle Management

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 Wave/Merrill Lynch report said they want to keep working after...more

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 of early retirement can involve boredom from not working and relying on your...more

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 retirement starter account. You're not only saying something meaningful about a...more

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 have money to spare since things like your mortgage will be paid off&...more

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 low cost of living makes sense. What factors should come into play,...more

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 2020, according to the U.S. Bureau of Labor Statistics. And the workforce...more

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 Care Act means that for the first time in a long while, the financial...more

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 questions arise. What exactly do retiring workers have squirreled away to provide...more

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 should be taken into account in their long-term planning. First of...more

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 activities. But in order to maximize your ability to save on taxes, avoid...more

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 special attention to the capital gains tax landscape. This tax season,...more

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 retirement planning and were dismayed when every article gave the same advice:...more

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 year that you invest more aggressively -- or more conservatively? Should it...more

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 dream, but in order to turn this dream into reality, you must keep a few...more

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 try a new kind of job or business, or actively support a charity. Obviously,...more

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 retirement??government pensions, personal savings and investments, and employer...more

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 asked anyone recently retired about this adjustment process? It can be...more

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 expect everyone to rush for the office door. Some nine out of ten current...more

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 some will work to earn extra money to supplement their pensions and...more

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 have decided on your goals, think about what you have to do to achieve them...more

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 watching this model slowly change, however with the advent of the baby...more

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 expectancy was 47 years. Today, the average American will live approximately...more

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 retirement'what it looks like and how it's financed'that will never be the same...more

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 slow down, but is now considered a new beginning in life. Thus, your current...more

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 longer seemed assured. The prospect of retiring at a young age and depending...more

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 retirement. Go through your expected retirement expenses on an item-by-item...more

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