Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Cash Strategies in Retirement

Retirement Watch editor Bob Carlson discusses the importance of managing your cash well

Found 146 Articles.
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How To Protect Your Social Security Benefits from Identity Theft

April 22, 2019

Identity theft continues to grow, and your Social Security benefits are a favorite target of the identity thieves. After the thieves obtain your Social Security number and other personal information, they apply for benefits in your name (if you aren’t already receiving benefits)… and then have the money deposited in their own accounts. If you’re […]

How the Social Security Lump Sum Benefit Works: Pros & Cons

January 14, 2019

Do you know there’s an option to receive up to six months of benefits in a lump sum when initiating Social Security retirement benefits? Not many people do, until they apply for benefits. While this is a nice option, too many people are surprised by it, and don’t receive the benefit package that’s best for […]

how-to-beat-the-retirement-tax-ambush

Your Retirement Blueprint: 7 Key Questions for Ages 50 and Older

December 17, 2018

Successful retirement has a blueprint. Whether you are already retired or retirement is years away, you can follow the blueprint to enhance your financial independence. For starters, you should always have a written retirement plan. (Surveys of retirees demonstrate that those who have written plans are more satisfied.) Developing a plan requires you to carefully […]

estate planning

The # 1 “Overlooked” Retirement Expense

November 21, 2018

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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How Working Longer Is Changing Retirement Strategies

November 2, 2018

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

October 30, 2018

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 […]

The New Rules of Social Security [Retirement Watch Fact Check]

September 7, 2018

Almost everyone has a Social Security number, and is eligible for Social Security benefits (starting at age 62). Yet, survey after survey indicates people know little about the program and its benefits. Moreover, a lot of what people think they know is wrong. Let’s take a look at some of the key misunderstandings and oversights […]

Making the Best Use of Home Equity in Retirement Income

August 24, 2018

The residence usually is one of the most valuable assets retirees own. It also is one of the worst-managed assets. Few people realize the home can be used to increase retirement cash flow or know how to do so efficiently. In the past issues of Retirement Watch, we’ve gone over reverse mortgages and issues related […]

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