Make Sure Your Savings Outlast You

Make Sure Your Money Doesn't Die Before You Do! You don’t know how long you’ll need your retirement money to last or how much your investments will earn. Ideally, you’d like to be able to live off your investment earnings, so you’d better have plenty of savings. Most planners recommend that you expect to live [...]

By |2020-04-17T18:09:44+00:00January 18th, 2019|Annuities, Investing, Retirement Planning|

Maximize Your Pension And Take Better Care Of Your Spouse.

Many pension programs both in the private and public sector offer a “Spousal Survivor Benefit.” If the primary pensioner dies first—the spouse gets a percentage, usually not all, of the regular monthly pension received before death. If selected, this nice benefit comes at a not-so-nice cost. The provider of the monthly pension is now going [...]

By |2020-04-17T18:14:28+00:00March 18th, 2018|Retirement Planning|

Preparing For Retirement Beyond The Finances

When I speak with my clients about preparing for retirement, of course, the conversation involves finances. However, I have found that preparing for retirement goes far beyond planning your finances (although that is a key component!). Sitting down with new clients some of the questions I ask are: • What are you planning on doing [...]

By |2020-04-16T19:40:41+00:00February 24th, 2018|Retirement Planning|

Understanding Your T.S.P. Options and Decisions.

Longevity Risk, Investment Risk Withdrawal Options, IRS Life-Span, Assumed Growth, Payment Adjustments Control of Assets, Beneficiaries T.S.P Modernization Act of 2017   When you retire, there are some decisions to consider that will impact the financial quality of your future years.  For Federal and USPS employees, nothing is more critical than managing your TSP funds properly.  [...]

By |2020-04-15T20:57:25+00:00January 4th, 2018|Retirement Planning|