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social security

Facts About IRAs

While an IRA may have a lower annual contribution limit (2017: $5,500; $6,500 age 50 or older) than a workplace-sponsored retirement plan, opening an IRA can provide an opportunity to help diversify your retirement assets. An IRA offers certain benefits that are generally not available in a 401(k), such as: Lower cost Larger spectrum of…

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Retirement: Spending vs. Income Planning

One common rule of thumb for retirement savings is to replace 80 percent of your pre-retirement income — or an even higher percentage. But what if you currently spend more than you earn? Or what if you spend much less than you earn? Perhaps a better measure would be to base your retirement income on your…

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Planning for Tax-Efficient Retirement Income

If you expect to be in a high tax bracket in retirement, you may consider allocating your retirement assets in a variety of different types of financial products to help reduce your tax liability. The growth potential of tax-deferred annuities may be appealing to those who have invested in safe, low-yielding strategies and are concerned…

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Planning for a Longer Trip-Life Expectancy

Packing for a weekend trip is easy. It only requires two changes of clothing, cosmetics and sundries, and you’re on your way. When travelling for a week or more, packing becomes more complex. How do you anticipate what you may want to wear seven days from now? The longer journey requires careful planning.    In 1930, before Social…

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Social Security Changes and Terminology

This past Saturday, Joe Lucey and Derek Fautsch talked about retirement planning and Social Security on Secured Retirement Radio.We are continuing to get a record number of calls and questions each week regarding the pending changes to Social Security. Many of the questions are on terminology such as “file and suspend” “restricted application” and “full…

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Van Halen and M & M’s

  Back  in the 70’s legend was that  Van Halen required  their hotels to stock M& M’ s  with the brown variety removed from each bowl. At the time, the band was top of the charts with multiple hits …the M&M story fit with our expectations of rock star’s excess. We all should take a turn being David…

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