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 143 Articles.
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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 […]

Strategies for Spending Your Nest Egg

July 1, 2015

The missing link in many retirement plans is the withdraw-al, distribution, or spending strategy. Accumulating for retirement is the easy part, and many people enter retirement with what seem to be adequate resources. Yet, a high percentage of Americans die owning their home equity and little more. Most rely heavily on Social Security to fund […]

Social Security, Inflation, and Interest Rates

July 1, 2015

Many people benefit from delaying their Social Security retirement benefits until at least full retirement age. Delaying until age 70 can be an even better deal. For years I’ve shown people how to calculate the difference using what I call the quick-and-dirty method. The method involves calculating how many years you need to live after […]

Spotting Overlooked IRA Opportunities

June 1, 2015

IRAs hold the bulk of most people’s retirement nest eggs. They are vital to successful retirement. Yet, many people leave a lot of IRA money on the table. They don’t realize the many strategies available to increase the after-tax value of IRAs. IRAs are deceptive. They seem simple at first, no more complicated than opening […]

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Facts and Myths About Social Security

January 1, 2015

Almost everyone has a Social Security number and is eligible for Social Security benefits. Yet, survey after survey indicates people know little about the program and their benefits. Also, much of what people think they know is wrong. Let’s took a look at some key misunderstandings and oversights about the program. Understand benefit statements. The […]

How to Safely Reduce Insurance Costs

January 1, 2009

Times are tight, so people are looking for ways to slash expenses. Insurance is a good target for many people. There are a couple of ways to safely reduce insurance costs. You might have unneeded or duplicate coverage. Those expenses can be eliminated. You also might be paying too much for coverage you need. Shopping […]

The Crisis and Money Market Funds

December 1, 2008

Once we left the 1980s behind, I thought this issue would not be addressed again. But for the second consecutive month we are having a discussion about when your money is insured by the government or an entity created by it. Money market funds are this month’s focus. Traditionally a money fund is where you […]

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How Safe Are Your Assets?

November 1, 2008

Is your money safe? It is amazing how quickly investors went from not worrying about risk to having that be the first question on their minds. As the financial crisis spreads, people are worried about the safety of their money and how to make their assets more secure. Here’s an overview of the rules for […]

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