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6 Retirement Strategies Boomers Can Employ in 2017

Income in retirement is crucial to live the lifestyle you want. Economic uncertainties that loom domestically and abroad will make careful retirement planning more important than ever for Baby Boomers who are grappling with inadequate savings and disappearing pensions. There are now 24 million Baby Boomers age 65 and older, with another 33 million set…

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Did We Learn Any Lessons from the 2016 Markets?

In a year that witnessed one of the most divisive and wackiest presidential election campaigns in U.S. history, it’s not hard to find lessons that can apply to various aspects of your life. But when it comes to takeaways that can improve your retirement planning and investing, there’s one big lesson to draw from 2016:…

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Family & Retirement: The Elephant in the Room

For most, family makes life—and life in retirement—richer and more enjoyable. But family connections can cause complications. Retirement planning has traditionally centered largely on the needs of an individual or a couple. A New Age Study reveals the impact that today’s family complexities and financial interdependencies have on retirement, and shows how pre-retirees and retirees…

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Is Your Pension at Risk?

Decades ago, almost every employee could look forward to retiring on a pension. Today, pensions are far less common: according to the Employee Benefit Research Institute (EBRI), only 13% of all employees were participants in a pension plan by 2013. If you happen to be one of the lucky few who still has access to…

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How Women Can Maximize their Social Security Benefits

The social security benefit is crucial for women, because they tend to live longer than men and are more likely to live alone following divorce or widowhood. Women now make up over half of all Social Security beneficiaries age 62 and above, and around two-thirds of recipients aged 85 and over. Whilst a record number…

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If the Hare is Expectations, then the Tortoise is Perspective

Markets are always in a rush. They rush to price in a new fiscal policy. They rush to price in inflation. In short, they rush to price expectations of higher growth. Since the election on November 8, markets have reacted to campaign-trail rhetoric of strong fiscal spending and tax cuts that could well add up…

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How to Prepare for Inflation and Tax Increase During Retirement

WAYS THAT U.S. DEBT, TAXES, AND INFLATION IMPACT YOUR RETIREMENT. THE PROBLEM Today’s hazards present retirees with many unique issues. Inflation could rise significantly due to government borrowing, and there are taxes which are needed to benefit us at all stages of life. However, do not let this make you feel powerless: there are clear…

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A Better Way to Think About the 4% Rule for Retirement Income

My husband and I will be retiring soon and are thinking of using the 4% rule to draw income from our retirement portfolio. We don’t want to run out of money, but we also don’t want to spend too little. Is there some sort of “reset” we should do periodically to ensure that we don’t…

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How Working After Retirement Affects Social Security

If you retire and file for Social Security and later decide to return to work, will your Social Security benefit increase to reflect the additional taxes you’re paying? Or do all those tax dollars just go down the drain? The answer depends on two things: Your earnings history How much you are making now Your Social Security…

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7 Annuity Facts Every Retiree Should Know

An annuity is a product sold by an insurance company for which you make a lump-sum payment in exchange for guaranteed income. These products aren’t well-understood by many retirees, so here are sevenhings all retirees (and pre-retirees) should know about annuities to make smart retirement-planning decisions. First, know what an annuity is. An annuity is…

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