Retirement Articles
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Can You Afford these Estate Planning Mistakes?
In Part 1 of this article, we reviewed some classic estate planning mistakes that are fairly common among retirees. Today, let’s continue the discussion with four more oversights, so you can evaluate your own estate plan. Leaving assets outright to adult children. Many people believe trusts are needed only when minor children inherit. They understand […]
7 Estate Planning Mistakes That Could Be Costing You
If you’ve never seen an estate planner… Or if your estate plan hasn’t been revised within the last three years… Then your plan is likely to have at least one of these classic mistakes. Today let’s go through these estate planning mistakes, one by one… 1. Relying only on a will. A written will is […]
How Seniors Can Better Protect Themselves from Financial Fraud
Many believe that Wall Street and the financial services industry exist primarily to siphon money from people through high fees, excess trading, complicated products and other means. But a significant segment of the financial world is working to protect seniors from being abused or conned… And new rules are helping the change. In fact, in […]
The # 1 “Overlooked” Retirement Expense
It’s the “forgotten” outlay in most retirees’ finances. It is also one of the largest expenses in the budgets of those 65 and older… yet completely taken for granted by both individuals and finance professionals alike. The expense? Transportation. Transportation accounts for 16% of annual spending by Americans 65 and older, according to the Bureau of […]
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Should Annuities Be Part of my Retirement Income Strategy (And How Much)?
More and more retirees are asking about annuities. Funny thing is… For many of you, part of your retirement income is already delivered as an annuity payment. Social Security is technically an annuity, providing guaranteed income for life. It also has the bonus of being indexed for inflation. Most economists recommend people purchase immediate annuities […]
How Working Longer Is Changing Retirement Strategies
More and more Americans remain in the work force after age 65. Some people need the money and don’t want to walk away from the salaries they’re making. Others aren’t ready to leave the structure and activity of the work place. Many people haven’t found other activities that will give meaning and purpose to their […]
How to Raise Emergency Retirement Cash
Retirees depend on their nest eggs for much of their cash. When money is needed, they plan to raise it from either income generated by the nest egg or sales of assets, such as mutual funds or stocks. And most people enter retirement with no other ways of raising cash. Selling more assets to raise cash incurs costs. One […]
5 Ideas to Simplify Your Financial Life
Most people find the financial part of their lives too complicated. Over and again, I’ve found that complicated finances lead to procrastination and stress. Too much time is spent simply organizing papers and data to figure out where things stand. By then, you’re too exhausted to make decisions or implement changes. If that sounds like […]