The last two months have brought continued market volatility to both stocks and bonds. It can be hard to stomach at times, yet it’s also expected. The long-term investor knows that markets on average, go up 7 out of...
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You’ve seen the headlines, you’ve heard the talking heads, you likely have negative feelings when you see the term blasted across the front page of the business periodicals. Markets have been swinging wildly in 2018. Things started off great...
There is a new change for 2018 with the Medicare Access and CHIP Reauthorization Act. This act lowered the threshold on which Medicare recipients pay an Income Related Monthly Adjustment Amount (IRMAA) to their Medicare part B premiums. Previously,...
Many people are ready to make the transition to retirement. They envision living a less stressful, carefree lifestyle. Where they can be adventurers, live next to the ocean, hear the waves crash. Enjoy the warm sunshine, swim in the...
How much can retirees withdraw from their nest egg each year? This is a question that many thought was answered by the 4% rule, first articulated by Bill Bengan in 1994. Bengan is a retired financial planner from Southern...
Whether you’re already retired or thinking about retiring within the next few years, a second act might be on your mind. Have you given thought to what you’ll spend your time on in retirement? Many older adults view retirement...
The topic of when to take Social Security receives much attention, for good reason. It may be the single largest resource for many people retiring today. Unfortunately, some of the strategies to maximize benefits were taken away this year. ...
One of the greatest worry’s for anyone who is retired, is running out of money. Of course, if we knew how long we would live it would make the process much less stressful. We could simply spend down our...
Last blog we shared some ideas about how boomers may be able to retire on less money than many experts suggest. One of the topics we mentioned was lowering the cost of housing. We will explore that topic in...
Much has been written about the inadequate level of saving by Baby Boomers in America. Not a day goes by when you don’t see an article on the difficult road faced by aging boomers, who have not saved enough...