Three Retirement Fundamentals

I can suggest dozens of questions that when answered, will define your retirement. And I can suggest more questions that when answered, will re-define your retirement. While money and having enough is important, there are other things to consider if you want your retired years to end with few regrets. For example, how will you …

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Investing for Retirement: What Price Are You Willing to Pay for Guarantees?

Life can be scary sometimes. It can be doubly scary when we realize personal financial decisions are inherently emotional decisions. Who among us has not made a bad choice along the way where money was involved? Conceptually, retirement is inherently personal. And the elephant in the room at first glance is almost exclusively a matter …

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Defined Benefit Pension Plans and Retirement

In days past, if you were fortunate, your full time job included what is known as a defined benefit pension plan. Your ‘benefit’ was determined, or defined, by how long you worked for that employer, your age when you retired, and how much you were making when you retired. That last element might have been …

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6 More Regrets to Avoid in Retirement

Yesterday I asked if you were feeling lucky. The idea being that if things work out for you, your journey end will arrive with few regrets. Before you conclude I’m trying too hard to deny you years of fun and games, I’m really focused on helping you enjoy a worry free and financially secure retirement. …

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6 Regrets to Avoid in Retirement

Are you feeling lucky? As you reach the end of the road, worrying about what might have been has little purpose. Before you get there, you’ll likely pass through three phases. I refer to them as the the GO-GO years, the SLO-GO years, followed by the NO-GO years. When the average life expectancy for a …

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Focus on Retirement Goals or Investments?

Have you got enough money? Is there a point in time when making new guesses about your retirement funds become an exercise in futility? Sure, you could probably work a few more years and have a few more bucks in the bank, but at what price? I’m reminded of the Social Security dictum that everything …

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High Income Inequality Hurts Social Security’s Finances

45 million people is a lot of potential voters. That’s the number of American receiving retirement benefits every month. As 2035 gets closer and it becomes obvious changes have to be made by Congress to maintain Social Security, how many of those potential voters are going to elect someone willing to let Social Security die? …

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