Tax Considerations When Delaying Social Security
Delaying Social Security can potentially contribute to an overall tax strategy for retirement. Every case is different, but generally speaking, when you add taxes to the mix, the case for delaying Social Security becomes even stronger than usual.
What is Risk?
Risk is one of those complicated concepts that you can’t really pin down to one definition, but it’s the single most important factor for investors.
How Buffer Assets Might Be Able to Help Your Retirement
Investing involves risk. When you put your money to work in the financial markets there’s always a chance, over every time period, that you could lose money. Most of the time, especially over longer time frames, the market goes up. But they don’t have to. The risk is always there – and that risk is […]
Two Philosophies for Retirement Income Planning Part Two: Safety-First School
This article is part of a series; click here to read Part 1. The safety-first school of thought was originally derived from academic models of how people allocate their resources over a lifetime to maximize lifetime satisfaction. Academics have studied these models since the 1920s to figure out how rational people make optimal decisions. In […]
Preparing for Retirement When You’re Starting Late
Everyone knows that you’re supposed to start saving for retirement early, but that doesn’t always happen. In fact, if you look at the numbers, it’s actually pretty rare. Most people are woefully unprepared for retirement, but you can change that.
What’s the Most Appropriate Planning Age for Retirees?
The relationship between how long you’ll live and your sustainable spending rate is a big piece of the retirement planning puzzle.
Which Makes More Sense for Retirees: A Total-Return or Income Portfolio?
Total-return investing focuses on building diversified portfolios from stocks and bonds to seek greater long-term investment growth.
How the Fed Impacts Your Investments
The financial media loves talking about changes in the target for the Federal Funds Rate. What the financial media want to talk about and what actually matters don’t overlap much. Let’s take a look at how changes in the Federal Funds Rate actually impact your investments.
Using Reverse Mortgages In A Responsible Retirement Income Plan
Though reverse mortgages have long held a bad reputation, research and public policy in recent years are shedding new light on their potential uses in retirement.
What Are Annuities?
Annuities are like power tools. In the right hands, they can help you considerably, but if you don’t know what you’re doing, you could cut your fingers off.
