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Will You Be Ready for Retirement?

Posted in Retirement
October 23rd 2014 by
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Have you thought about how much money you need to retire comfortably? Most people have not. And most people won’t be ready for retirement either. Experts suggest you’ll be able to live on 85% of your pre-retirement income, although you need to factor in inflation year after year. Different situations may move that percentage up or down, but that’s about what you should be aiming for. The average person is in retirement for about 20 years – so that’s a lot of money you’ll need saved up. So how do you know if you’re on track? Use a Retirement Calculator…

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Do You Need a Financial Planner?

September 2nd 2014 by
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Managing your finances isn’t easy. You may be struggling with how to pay off debt, save for vacation and/or set up a secure retirement. Add major life events that occur along the way, and it’s downright overwhelming. Fortunately, you can get help. Financial planners can step in and assist you. However, they come at a price. So how do you know when it’s in your best interest to get professional help? Financial Planners in a Nutshell Financial planners help solve problems. They help with a range of issues including: Taxes (especially for people who own businesses) Investment Estate management Planning…

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Getting the Most from Your 401k

Posted in Retirement
January 31st 2014 by
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You might think, “Okay, I have a 401k — so I’ll just invest a certain percentage of my paycheck into it until I retire, and then I can live the life!” But many times, your 401k can come up short, leaving you with less than you’re expecting during retirement. So how can you avoid a low 401k balance? Follow these easy tips to maximize your savings in the long run. 1. Start now. To take full advantage of your 401k, you need to have a 401k. And there’s no time like the present. While some people may choose to wait…

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Retirement Tips from the National Endowment for Financial Education

Posted in Retirement
January 17th 2014 by
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With so many factors to consider, retirement planning can be confusing. Luckily, the National Endowment for Financial Education (NEFE) doles out free advice regarding Social Security benefits, home and mortgage options, insurance choices, retirement plans, savings and investment opportunities, and work-related choices while providing debt-reduction guidance and warnings against scams that target older Americans. Social Security Most people are eligible to claim Social Security at the age of 62, but delaying that claim until at least the full retirement age (between 66 and 67, depending on the individual’s date of birth) can increase payments significantly. Waiting until age 66 can…

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Pretend Retirement

Posted in Retirement
December 12th 2013 by
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When the topic of retirement comes up, you may find yourself asking more questions than you have answers for. Will you have enough money when you retire? How much can you afford to invest? How will retirement affect your relationship with your spouse and your family? One solution that has recently started becoming more common is rehearsing your retirement. This can be a fun way to find the information you need without making any long-term commitments. In an article in The Wall Street Journal, Holly Kylen, a Pennsylvania financial advisor, recommends that clients who are questioning their retirement financial stability…

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