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About | Contact | Glossary | Code of Ethics | Terms of Use | Privacy Policy | Website Accessibility
Stealth Retirement Expenses
/in Retirement Planning, Superboost March 2023/by Tim Davis, RICP®, CLU®, CEBSManaging Stealth Retirement Expenses Take a look at some potential financial surprises in retirement – and how you can prepare for them. In 2020, the Society of Actuaries surveyed retirees, reporting unforeseen expenses that had hit them in retirement. Nineteen percent of retirees said they experienced four or more financial surprises. Twenty-four percent of retired […]
Annuity Scams and Fraud
/in Annuities, Superboost March 2023/by Ed HochardAnnuity scams are fraudulent schemes targeting individuals looking to invest their money in annuities. Scammers often use high-pressure tactics and make false promises to convince people to invest their money in annuities that are not in their best interest. The benefits of an annuity may seem too good to be true; more often than not, […]
$50 Trillion, And The Machine Rages.
/in Retirement Planning, Social Security, Superboost March 2023/by Bill BroichWhile this may appear on the surface as a partisan political article, it truly is not. What I say about our politicians, regardless of party affiliation, is this: Once elected, the machine grabs them, and they all change; their election promises are rarely kept, and the machine eats them alive. This editorial is about $50 […]
Costly Consumer Fees Of Which You Should Be Mindful
/in Investing, Retirement Planning, Superboost March 2023/by Del FujinakaBecoming financially savvy is key to living a comfortable retirement, so let’s explore how soon to make the most of your money! Money experts agree that certain consumer fees can be particularly costly for retirees and soon-to-be retirees. To help, we’ve outlined some of the worst consumer fees to watch out for and ways to […]
Contractual Guarantees Will Help Build Your Retirement
/in Retirement Planning, Superboost March 2023/by Joe EdgeworthUse the contractual guarantees of annuities to build your retirement income. Every decade people are living longer. From 1960 to 2019, the average life expectancy of Americans rose from 70 years to 79 years, while the retirement age increased slightly to 67 years of age in 1983. Because of this gap between retirement and life […]
An Overview of Estate Planning
/in Estate Planning, Retirement Planning, Superboost March 2023/by Rick DennisEstate planning is organizing and managing your assets to ensure their proper distribution after death or incapacitation. It can be daunting, but it’s necessary for financial and legal protection. In this article, we’ll outline estate planning, including what constitutes an estate, components of an estate plan, estate planners & attorneys, the final distribution of assets, […]
Market Sidewinders
/in Retirement Planning/by Ray CessnaWhat would we see if we could get a measure of the U.S. economy by pouring it into a clear glass? Is the glass a little full or halfway or full to the top? The Real Gross Domestic Product (GDP) increased by +2.1% in 2022 compared with the 2021 increase of +5.9%. The GDP numbers […]
If You’re A Federal Employee, Do You Know About The Secure 2.0 Act And How It Could Affect Your Retirement Planning?
/in Retirement Planning/by Brian SwerdlowSigned into law in late 2022, the Setting, Every Community Up for Retirement Enhancement (SECURE) 2.0 Act contains dozens of new provisions pertaining to retirement. These changes will likely impact how Federal employees save and withdraw funds from their retirement accounts. Building on the original SECURE Act of 2019, which altered the rules around saving […]
Your Credit Score in Retirement
/in Retirement Planning, Superboost March 2023/by Derrick LoflinJust because you retire does not minimize the importance of your credit. How you manage finances during retirement can impact your credit and thus your ability to borrow or increase your pay interest rates. Your credit reports track your personal history of borrowing money and repaying it, including loans and credit card accounts active in […]
Do You Know And Understand Your Risk Tolerance
/in Investing, Superboost March 2023/by Lyle BossWhat does risk mean when it is concerning your retirement accounts? How do you determine your risk exposure? When considering risk decisions regarding retirement accounts the two most important factors are your current age and the number of years before you retire because as you age, you have fewer years to recoup market losses. Moving to more stable and safe options as we age can help remove the risk factor on a portion of your accounts.