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 142 Articles.
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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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Are You Saving Too Much for Your Retirement?

July 27, 2018

The media regularly run headlines about how Americans are unprepared for retirement, primarily because they haven’t saved enough. But there’s another view that doesn’t receive as much attention. In this view, many people might be saving too much for retirement. That could be good news for their heirs, but they could be shortchanging themselves. And […]

How to Plan Life Expectancy in Your Retirement Strategy

May 11, 2018

It’s one of the most important issues in anyone’s retirement plans… And most people completely shortchange it, resulting in a wildly inaccurate plan. You see, a goal of every retirement plan is to ensure your income and cash flow last at least the rest of your life. To meet that goal, you need a reasonable […]

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5 Strategies to Simplify Your Retirement Finances

March 2, 2018

Most people’s finances are too complicated. And what I’ve found – after 20-plus years of publishing Retirement Watch – is 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, people are too exhausted to make decisions or implement […]

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Should You Opt for Social Security Lump Sum Retirement Benefits?

August 25, 2017

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 a nice option, too many people are surprised by it, and don’t receive the benefit package that’s best for them because […]

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