“Understanding and mitigating the risks that cause plan failures is critical if you want to maintain your lifestyle when you retire.” Joe Uppleger Seniors who want sustainable, inflation-protected income when they no longer work face some significant risks, including inflation risk, sequence of returns risk, and longevity risk. To avoid the possibility of retirement portfolio […]
“Although the “time value” of money is a somewhat intuitive idea, many people fail to take it into account when planning their retirements.”- Joe Uppleger. The time value of money or TVM is an essential money principle that says that the current value of any sum of money is worth more than the future […]
“If you are at or near retirement, the thought of selling your home may have crossed your mind. Before you make that decision, though, you’d better spend some time considering the pros and cons.”- Joe Uppleger. The sizzling hot housing market has many pre-retirees and retirees thinking about whether they should sell their current homes. […]
“Sequence of returns risk is likely to impact your retirement savings for as long as you live. There are, however, several useful techniques you can employ that might minimize the impact and preserve your money.”- Joe Uppleger, As you close in on retirement age, it’s likely your advisor will mention different threats to your savings. […]
“You cannot avoid paying taxes on an inherited annuity, but there are several things you can do to defer the pain.” Joe Uppleger While inheriting an annuity from a loved one can be a welcome windfall, particularly as you plan your retirement, there are tax implications that you need to consider. The method of receiving […]
If you are over 50, your financial advisor, agent, or CPA has probably mentioned the need for some protection against the potentially disastrous costs of long-term care. Knowing that retirees face increasing costs for long-term care and live longer than ever, your advisor may have suggested you purchase traditional long-term care (LTC) insurance policy. However, […]
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