Planning Retirement

You have a lot of decisions to make about retirement.  And, if you are married, you have nearly twice the number of choices — plus the complications of competing priorities and sometimes differing goals and expectations. Your Social Security decisions can profoundly impact your spouse today, tomorrow and long after …

Reverse mortgage television commercials abound, but it is hard to get straightforward — easy to understand — answers in response to your reverse mortgage questions. Here are some of the most common reverse mortgage questions people have and some very surprising answers: Is it a Loan? This is one of …

Life expectancy has mostly been rising in the United States — overall. However, new research has found that in some counties life expectancy is falling — people are not living as long in certain areas.  In fact, in many counties, the average life expectancy is 20 years — TWENTY years …

The plan is simple: work until age 65, then retire and enjoy the good life — golfing, travel, gardening, being a grandparent, and sleeping in. It’s what you’ve been looking forward to for the last forty or so years, but you could be in for big surprises. There are quite …

For those approaching retirement or already there, the question of how to invest our money to maximize returns while minimizing risk is at the heart of many of our financial concerns.  With so much out of our control and so few clear answers, retirement investment questions can keep you up …

While on the campaign trail leading up to the 2016 Presidential Election, Donald Trump repeatedly promised to repeal federal estate taxes. Recent announcements from the White House indicate his intent to push these changes through. Currently, the federal estate tax applies only to estates valued at more than $5.49 million …

One of the greatest threats to retirement today may not be saving too little, but owing too much. A 2016 survey by the Center for a Secure Retirement found that Boomers (Americans born between 1946 and 1964), are carrying a significant amount of debt into retirement. Will retirement debt take …

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Your attitude toward anything in life is all based on perspective.  If you are worried about retirement, maybe you just need to change your approach. Albert Einstein is credited with this saying that shows how a flipped perspective can change how you think: “Everybody is a genius. But if you …

You’ve spent your entire working career saving and investing for retirement. Now it’s time to develop a retirement withdrawals strategy.Retirement withdrawals: break into the bank, but manage spending so your money lasts as long as you do… So, what’s the best way to go about withdrawing money from your retirement …