A Retirement Fact Sheet


Some specifics about the “second act.” Does your vision of retirement align with the facts? Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you.   Up to 85% of a retiree’s Social Security income can be taxed. Some retirees are taken aback when they discover this. In addition to [...]

A Retirement Fact Sheet2018-12-11T20:47:26+00:00

Starting a Roth IRA for a Child or Grandchild


This early financial decision could prove profoundly positive over time.   Do you have a child or grandchild earning some income? Indirectly, that after-school or summer job might present a savings opportunity for that teenager. You could help your child or grandchild save for future goals by assisting them to create and fund a Roth [...]

Starting a Roth IRA for a Child or Grandchild2018-09-07T14:16:09+00:00

Should We Reconsider What “Retirement” Means?


  The notion that we separate from work in our sixties may have to go. An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer for a church network at 69. A corporate IT professional decides to conclude her career at age 58; she [...]

Should We Reconsider What “Retirement” Means?2017-11-29T14:05:31+00:00

Before You Claim Social Security


  A few things you may want to think about before filing for benefits.     Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider a few key factors first.     How long [...]

Before You Claim Social Security2017-08-25T17:06:10+00:00

Could You Improve Your Personal Finances Today?


Simple decisions & new habits might lead you toward a better financial future.   In life, there are times when simple decisions can have a profound impact. The same holds true when it comes to personal finance. Here are some simple choices you could make that may leave you better off financially – in the [...]

Could You Improve Your Personal Finances Today?2017-01-02T19:46:20+00:00

Consider an IRA Charitable Rollover


If you want a tax break and want to help a non-profit, this may be a good move.   Have you ever wanted to make a major charitable gift? Would you like a significant federal tax break in acknowledgment of that gift? If so, an IRA charitable rollover may be a good financial step to [...]

Consider an IRA Charitable Rollover2016-04-19T17:30:10+00:00

Retirement Now vs. Retirement Then


Today’s retirees must be more self-reliant than their predecessors. Decades ago, retirement was fairly predictable: Social Security and a pension provided much of your income, you moved to the Sun Belt, played tennis or golf, and you lived to age 70 or 75. To varying degrees, this was the American retirement experience during the last [...]

Retirement Now vs. Retirement Then2016-03-18T09:53:50+00:00

Reducing the Risk of Outliving Your Money


  What steps might help you sustain and grow your retirement savings?   “What is your greatest retirement fear?” If you ask retirees that question, “outliving my money” may likely be one of the top answers.  Retirees and pre-retirees alike share this anxiety. In a 2014 Wells Fargo/Gallup survey of more than 1,000 investors, 46% [...]

Reducing the Risk of Outliving Your Money2016-03-11T20:29:21+00:00

You Could Retire…But Should You?


It might be better to wait a bit longer.  Some people retire at first opportunity, only to wish they had waited longer. Thanks to Wall Street’s long bull run, many pre-retirees have seen their savings fully recover from the shock of the 2007-09 bear market to the point where they appear to have reached the [...]

You Could Retire…But Should You?2015-09-04T17:51:11+00:00

2015 IRA Deadlines Are Approaching


Here is what you need to know. Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. *April 1 is the absolute deadline to take your first Required Mandatory Distribution (RMD) from your traditional IRA(s). *April 15 is the deadline for making annual contributions to a [...]

2015 IRA Deadlines Are Approaching2015-03-20T11:51:39+00:00