Category: Retirement

Should You Choose a Traditional or Roth IRA?

So you’ve got a little cash saved in the bank, you have your debt under control and you feel like it’s definitely time for you to start looking into stashing away some extra money for your future retirement. Time to decide, Traditional or Roth IRA? Maybe you have a 401(k) from your job, or maybe you have a brokerage account and you’re used to managing your own investments. Regardless of their financial situation, many people look to their IRA as a flexible place to stash money away for their future and now it’s time to think about starting one...

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When Should you Take Your Social Security Benefits?

Do you need to figure out the best time to take your Social Security benefits? Your Social Security represents an entire lifetime’s worth of work, here’s our guide to making the right Social Security choice for you.   Deciding when to take your Social Security could be one of the most important decisions you make in your entire life. The difference between taking Social Security at the right time and taking it at the wrong time could equal out to tens, if not hundreds of thousands of dollars in potentially lost benefits for you and your spouse. The difference...

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Should you roll over your old 401(k) when you Retire?

What about my 401(k) at my job? I’m not working there anymore, should I move my money somewhere else? We get this question all the time, here are some tips on whether or not you may want to roll over your old 401(k).   In most cases, if you leave your job, I recommend taking your money with you. There are several reasons taking control of your assets and rolling over your old 401(k) into an IRA could benefit you. Let’s take a look at a few… Fees: a 401(k) costs money. There’s a whole host of fees that...

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How Much Risk Should I Take With My Retirement Savings?

In my opinion, risk is the number one thing that retirees lose track of in retirement. The level of risk you take with your investments could be a big factor in determining how long you actually have retirement savings to spend after you stop working. Deciding how much risk to take with your retirement savings is probably the most important part of retirement planning.     When you look at risk in your portfolio, the old adage “if it ain’t broke don’t fix it” definitely does not apply. Here’s why… I’m an advocate of dialing down your level of...

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How Can I Tell if I’ve Saved Enough Money to Retire the Way I Want to?

This is probably the main concern and the number one question I get from those who are transitioning into retirement, they want to know if their lifetime’s worth of savings can translate into the income that they want in retirement and if that income will last. Here are some tips to help you determine if you have enough saved to retire.   Here are a few tips if you’re looking to determine if you saved enough for retirement Determine your income need. I know it seems kind of obvious, but a lot of people fall short in knowing exactly...

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Retirement A-Z

Are you getting close to retirement or actually living it right now? Will you be able to live the lifestyle you want in retirement? Have you saved enough money to get there? Are you prepared for Retirement A-Z? Here’s our comprehensive guide to preparing for and living in retirement.   It’s no wonder as people start to get close to retirement, the fog sets in… I’m talking about the financial fog. Imagine a thick fog in your mind as you start thinking about the transition from working into retirement. You feel confused about whether or not you’re ready to...

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