Retirement planning is figuring out how much money you will need to have saved up when you retire so that you can live comfortably. It involves estimating how long you will live and how much money you will need each year to cover your expenses.
Learn more about retirement planning from our financial advisors below.
For years, an income gender gap has existed between males and females. Despite enormous efforts and great successes, the income gap is causing retirement planning for women to be a hardship. Here are facts that are a source of concern. • Approximately 2 out of 5 working women earn less than $30,000 per year. • […]
An annuity can provide many benefits an IRA can not The Federal Budget needs money, and spending will not go down, the deficit will increase. The federal government must find more sources of revenue through taxation. Should those saving for retirement choose an IRA? If you carefully examine the benefits of an IRA and the […]
How safe is YOUR wallet? Are you protecting yourself from the banks’ “worst practices?” So widespread and commonplace is 21st-century banking fraud that recent money laundering allegations leveled against Danske Bank Estonia (over $234 BILLION and counting) scarcely register as newsworthy. “Another day… another rip-off. Ho-hum” But I think we all need to start paying […]
Seemingly insignificant charges in retirement plans can add up! So much fine print goes unread. Few people realize how significantly 401(k) account fees can impact their retirement savings efforts. AARP recently conducted a poll of 401(k) participants and the results were eye-opening: 71% incorrectly assumed that they paid no account fees at all, and […]
5 reasons women should consider using annuities to create more prosperous, less stressful retirements If you’re a woman in or near retirement, let me ask you this: “How do plan to take what you’ve so diligently saved and turn it into a lifetime stream of dependable, predictable, tax-advantaged income?” If you’re like many of us, […]
I had a conversation with a client the other day, we had been discussing a particular fixed indexed annuity, and his concerns were that he wanted to wait to see how far interest rates would rise before putting his money in an annuity. I told him that might seem like a sensible decision, but nobody […]
U.S. stocks closed sharply lower Wednesday as the Dow Jones Industrial Average sank more than 800 points and the Standard & Poor’s Stock Index 500 had its worst day since February as technology stocks went into a freefall. Investors spooked by rising bond yields dumped equities in all sectors, triggering a wide-ranging sell-off and a […]
Obtaining financing for your new business will undoubtedly be one of the most frustrating things you will ever have to do. While all you see is unlimited potential for your business, all others seem to see is risk. In fact, 9 out of 10 business ideas never even see the light of day because of […]
As with most Americans, I have been stunned by the continued cost of health insurance premiums as well as the decline in covered benefits. Recently, I was due for an annual checkup with my physician. What I wasn’t prepared for was the amount of out of pocket costs I was billed. Not only had my […]
A recent report from the Government Accountability Office (GAO) revealed a considerable deficiency in the amount of savings set aside for retirement. The report showed that in the group of 55-64, almost 55% of those households had little or no money set aside for retirement. For those who have saved for retirement in that age […]
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