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Retirement

“Inflation Busters”

There are a lot of positives in economic growth, but one downside is the inflation that sometimes comes with it. An increase in the GDP rate, consumer prices and, inevitably, interest rates often follow as well. In recent months, we’ve seen a jump in gas rates; home prices are rising at the quickest pace in…

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How to Help Make Retirement Income Last

Building up a retirement nest egg is one thing, but making it last throughout your lifetime is quite another. With a larger share of the financial responsibility for retirement shifting from employers to employees, it’s more important than ever to explore all income strategies to help determine what is most appropriate for your situation. One…

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See a Dentist Before You Retire

One activity that’s easy to overlook when preparing for retirement is dental work. While you may be in the habit of getting checkups every six months, be aware that Medicare doesn’t cover routine dental procedures, so this expense will soon be out-of-pocket. As you age, you’re more likely to have dental problems. So when you get…

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Things to Do Before You Retire

Some people set a particular age when they want to retire. It might be more helpful to look at your financial schedule to establish a retirement date. Just because you want to retire on a certain birthday doesn’t mean you’ll be quite financially ready to do so. After all, there’s more to retirement planning than…

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Work Less, Spend Less: How Retiring Boomers may Impact the Economy

The economy has grown, in large part, because consumers are spending more money. It remains to be seen whether that trend will continue as more of the massive baby boomer generation approaches retirement. Even before people retire, many tend to slow down their spending habits. Part of this is lifestyle driven; by age 50, most…

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Retiring Abroad?

Have you ever contemplated retiring abroad? There’s a lot to think about! To name a few: Location Health Insurance Tax and Financial Needs Read more in this 8-Step Checklist then contact us at info@securedretirements.com or call us at (952) 460­-3260 to schedule a time to discuss your financial situation and the potential role of investments in your…

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It’s never too early to start saving for retirement

According to a 2016 Retirement Income Strategies and Expectations survey, 70% of millennials are anxious about saving for retirement. So if you’re one of the millennials who gets anxiety every time mom or dad brings up the importance of your retirement funds, take a deep breath. Read more in the article It’s never too early…

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Exercise That Doesn’t Feel Like Exercise

As we get older, it becomes harder for many of us to engage in the fitness and athletic pursuits we’ve enjoyed for years. It’s tougher — both mentally and physically — to play a full round of golf, two sets of tennis or take a daily two-mile walk. It also can be very discouraging to…

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LTC Insurance Considerations

The long-term care (LTC) insurance industry suffers from a similar malady as health insurance: When fewer people buy policies, insurers must charge higher premiums, which, of course, deters even more people from buying policies. With the graying of America, LTC insurance should be a booming business, but in recent years, it’s been rapidly declining. Last…

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What is a “safe” retirement withdrawal rate?

In an investment portfolio, the withdrawal rate is the monetary percentage from which a retiree draws from his account each year.  A “safe” withdrawal rate is a fixed percentage distributed as a systematic withdrawal that reasonably expects portfolio funds to last throughout the retiree’s lifetime. When determining your personal retirement withdrawal rate, it’s important to…

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