The Employee Benefit Research Institute’s (EBRI) annual Retirement Confidence Survey found a marked increase in retirement confidence among workers with higher household incomes who also participate in one or more retirement plans — including defined contribution plans, defined benefit plans, and/or IRAs.Specifically, more than half (55%) of survey respondents are now very or somewhat confident […]
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‘Retirement Planning’ Category
Only 17% of individuals 55 and over say they are “very confident” they will have enough money to live comfortably throughout their retirement years. Worse, only 9% of those between ages 45 and 54 are very confident.¹ Congress in 2001 passed a law that can help older workers make up for lost time. But few […]
Many of us grew up with the concept that regular, periodic contributions to our retirement account was a sound investment strategy. The idea was that in a fluctuating market a regular schedule of a set investment amount, generally speaking, would mean that we bought more shares when prices were low and less shares when prices […]
The challenge with taking withdrawals from a traditional portfolio is the “sequence of returns” danger. Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help mitigate this concern.The first is to have a pool of very liquid assets to […]
During your accumulation years, you may have categorized your risk as “conservative,” “moderate” or “aggressive” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results.What occurs with many retirees is a change in mindset—it’s less about finding […]
For many small business owners, running your business is an all-consuming endeavor.In the face of everyday demands, preparing for your retirement can become a casualty. For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.If this sounds familiar, then you may want to consider whether a Simplified Employee Pension […]
Medicare coverage can be a critical component for living a healthy life in retirement, as well as for maintaining your financial independence during these years. Yet, as important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.To fill the holes that exist in Medicare, […]
An orchestra is a merely a collection of instruments, each of which brings a unique sound. It is only when a conductor leads them that they create the beautiful music imagined by the composer.The same can be said about your retirement strategy. The typical retirement strategy is a built on the pillars of your 401(k) […]
Roughly 3.3 million baby boomers are planning to retire abroad.¹ Their motivations may be many, but popular reasons include greater affordability, adventure and a change in lifestyle. However exciting retiring abroad may sound, it deserves considerable planning. Things to consider Where do you want to retire? There are many starting points for this search, but […]
The uncertainties we face in retirement can erode our sense of confidence, potentially undermining our outlook during those years. Indeed, according to the 2013 Retirement Confidence Survey by the Employee Benefits Research Institute, only 18% of retirees say they are “very confident” about having enough assets to live comfortably in retirement. Almost 40% were either […]
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