Retirement planning is the process of determining how much you will need to save and invest in order to have enough money to live on during retirement. It involves setting goals, analyzing your current financial situation, and making a plan to help you reach your retirement goals.
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Retirement planning should start from the inside with your values, goals, and dreams, not be dictated by outside rules and guidelines....
Thebrief’skey findings are: Our2023 Small Business Retirement Survey looks at why some small firms offer a retirement savings plan and others do not. Factors that affect whether small firms offe...
Figuring out when it’s time and knowing how to talk about it are just the start. You also need info about estate plans, insurance and health care decisions....
This month’s resources start by exploring the impact of rising interest rates on your retirement planning. We’ll also contrast the difference between investing and speculating. Articles fr...
Freelancers have to be vigilant to keep track of where their money goes, whether it’s to cover daily necessities, saving for retirement or other expenses....
Ongoing planning in retirement involves periodically assessing whether spending may be increased or must be decreased to remain on track. In his recent Kitces.com article, How Communicating Guardrails...
I’ll spare you all the details as I’m not seeking direct advice (yet) but rather leads for direct advice. Who to trust? Is there an online application that can assist me in sorting timing ...
Photo credit: jb In his Preface to the Fourth Edition of Benjamin Graham’s legendary book The Intelligent Investor, Warren Buffett wrote the following: To invest successfully over a lifetime doe...
Estate planning can be a sensitive topic for families to talk about. Here's how to get past the awkwardness and discuss estate planning with your family....
If you’ll have multiple income streams in retirement, you’ll need to coordinate everything so you don’t end up paying taxes on your Social Security benefits....
A donor-advised fund, or DAF, lets the donor reap tax benefits while also being able to direct how the money is distributed and invested....
Watching your budget helps you reduce unnecessary expenses, and keeping an eye on your net worth as it rebuilds can provide a psychological boost....
Social Security plans to default to withholding 10% (not all) of the recipient's monthly benefits to recoup debt, SSA head says....
A lot can go wrong (including inadvertent law-breaking) if you choose to go the easy route rather than using a trust to transfer real estate to your child....
If you have gaps in your plan for retirement income, you might consider adding the value of your home to your planning....
Don’t be like the captain of the ‘Titanic’ and ignore warnings to be prepared for risks that lie ahead when planning for your retirement....
I am not sure if I read the rules correctly - it seems I can use my new Silver Sneakers benefit at any local gym that is set up for the plan. One gym that is way too expensive has an indoor swimming l...
Check out the latest podcast episode on retirement planning and Social Security by listening on “Apple Podcasts” or “Spotify Podcasts” and watch more retirement planning videos...
So I have set my retirement date! I am turning 60 this year and plan to retire at 65. March 15, 2030. I choose this date as I want my kids to be fully financially independent. My son is in grad school...
Join the leading figures in the workplace retirement plan industry at the 2024 NAPA 401(k)…...
T. Rowe Price report finds those with a plan also likely to contribute more to retirement...
Deal marks 2022 startup’s debut of white-label 401(k) plans and recordkeeping for plan…...
Is this sub Reddit appropriate for asking about pre-paying funeral expenses? If so has anyone had any luck with ordering grave site monuments thru on-line monument companies? I ask because my local mo...
RIAs must consider the bottom line when evaluating health care planning options, but the positives of delivering more holistic and comprehensive planning to your clients should not be overlooked....
Retirement planning has changed over the years, but has the industry evolved to keep up? Your retirement needs are much different from those of your parents' generation. This is why it is important to...
Check out the latest podcast episode on retirement planning by listening on “Apple Podcasts” or “Spotify Podcasts” and watch more retirement planning videos at YouTube.com/@MrR...
As discussed in prior posts, the key to successful retirement planning is to annually determine your Funded Status, monitor it from year to year and Adjust spending when your Funded Status falls outsi...
There’s been a lot of hype and media attention around pursuing and achieving FIRE (Financial Independence, Retire Early). But there ... Read more...
A day after three amendments including 403(b) plan parity and e-Delivery fixes were passed,…...
I always had it in my mind that I would retire at age 65, but recently since my portfolio values are way up, I've been asking... is that really necessary? Can I bag it early? I'm really sick of workin...
In this episode we continue to compare and contrast retirement planning today vs. retirement planning in “the good old days”. Glenn is available for in person and online meetings if you'd ...
For high-net-worth families, there are financial planning strategies to take advantage of today before the rules change....
A sometimes-overlooked measure of the 2022 law could put free money into millions of workers' retirement plans....
Master of Change by Brad Stulberg. I read this book a few months ago. It is a mixture of old philosophy & new psychological research on how to deal with change. I found it invaluable. I'm retiring...
Many are familiar with Medicare Advantage HMO and PPO plans, but there are 3 plan types that aren’t as well known....
Hello. I am 7 weeks away from what I plan to be my last day at my very corporate and very stressful job. My manager is not the easiest to work for and I feel like I’d feel way less stressed w th...
The CTA is a federal law that took effect on January 1, 2024. It may have implications for your estate plan....
Here is a list of questions your financial advisor should ask for you to maximize your Social Security benefits and determine your overall financial goals....
Key: You should determine your Funded Status annually and monitor it from year to year. Why? Your Funded Status is a summary statistic that reflects actual experience and can keep you on track to meet...
I see a lot of people here asking if they can retire, or saying they've asked their advisors if they can retire. It seems to me that they might be missing a valuable retirement planning tool: a budget...
Over the next two episodes we'll explore this question as we compare and contrast retirement planning today vs. retirement planning in “the good old days”. Glenn is available for in person...
We are consolidating our properties with plans to buy or build our last home. We are in our early sixties. One of the features we are considering is whether or not we want a salt water pool. We live i...
401(k) hardship withdrawals are on the rise, but NEW employer emergency savings accounts could help stem tide. By Tamara E. Holmes. Published February 28, 2024. https://www.aarp.org/retirement/plannin...
How important was the 1974 legislation compared to other factors? This year is the 50th anniversary of the Employee Retirement Income Security Act of 1974 (ERISA), so Yale Law School professor John La...
You are responsible for your finances in retirement and need a plan that works. The Actuarial Approach, with its Funded-Status-focused process can help you: Grow your assets, Protect your assets, Spen...
Many who approach retirement view it as the ultimate goal, but you could have 30+ years to experience the retirement you've worked to build. While much of retirement planning is focused on the numbers...
Hey everyone! Have you been to Japan? We visited in 2010 and had a fantastic time. It was our last international trip before we had a kid. Travel was so much easier and carefree back then. We visited ...
I’m 68, single and have a healthy retirement portfolio with no debt and live in an apartment. I plan to quit working in December. I have one daughter, son-in-law and grandson in Colorado, anothe...
Three plan participants received $1,000 and the title of 401(k) Champion...
Providers say working strategies now in place for guaranteed income solutions to start…...