LET’S LOOK BACK TO LOOK FORWARD

As we come to the end of the year I thought to share with you a group of articles that I have found to be informative, each of them reflecting on different issues relating to planning for retirement that you may want to reflect on. Ranging from “11 Money Lies to Stop Telling Yourself” to “20 Things You Can Learn From Your Parents’ Retirement”, you will find pointers that may help you. Call us if you would like to discuss any of the ideas you read about. We are always here to help. Click Here to Read Full Article

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LET’S LOOK BACK TO LOOK FORWARD

As we come to the end of the year I thought to share with you a group of articles that I have found to be informative, each of them reflecting on different issues relating to planning for retirement that you may want to reflect on. Ranging from “11 Money Lies to Stop Telling Yourself” to “20 Things You Can Learn From Your Parents’ Retirement”, you will find pointers that may help you. Call us if you would like to discuss any of the ideas you read about. We are always here to help.   Click Here to Read Full Article

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IF YOU LIVE LONGER

“Imagine sitting down on the day of your retirement to plan your financial future. You know what your annual expenses have been and you want to maintain your current standard of living. So, you consult a recent mortality table and find that if you’ve made it to your 65th birthday, you can expect to live to 85 years old. You perform a little calculation and find that, together with your Social Security monthly payments, you have just enough savings to maintain your current standard of living and spend all of your savings and future expected earnings by the time you

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A STREAM OF CONSUMPTION IN RETIREMENT

This week’s article states that “Individuals engaged in financial planning for retirement have no shortage of resources available to provide guidance on how much to save and how to invest those savings. If one does a Google search on the term “retirement planning,” the lion’s share of the over 1.2 million hits appear to guide one to websites that discuss various features of the saving and investment decisions. Given the dominant focus on saving and investment, the typical worker could be forgiven for believing that “retirement planning” is synonymous with “wealth accumulation.” While wealth accumulation is an important ingredient in

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DEFINED BENEFIT OR DEFINED CONTRIBUTION

This week’s article, found in an issue of the Harvard Business Review, was of interest to me because it described very simply the difference between and shift from Defined Benefit retirement plans to Defined Contribution plans and it discussed that “more dangerous yet is the shift in focus away from retirement income to return on investment that has come with the introduction of saver-managed defined contribution plans”. We have always liked products that provide an income in retirement that you can’t outlive. If that is something of interest to you, give us a call and we can tell you about

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