Retirement Insights

What is a Bond Ladder?

Bond ladders sound like another complicated finance concept only investing geeks understand, but they’re actually pretty simple. The easiest way to view them is as though you’re setting up your own annuity by prepaying for at least some of your income in retirement.

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Can You Rely On Dividends For Income?

There’s real value in knowing where your money will come from. Hence the appeal of income investing – building a portfolio focused on creating a long-term steady stream of income…But income investing presents a few problems.

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Business Owners: Did You Know You Are a Fiduciary?

Employer-sponsored retirement plans — such as 401(k)s or 403(b)s — are one of the primary sources of retirement savings for Americans. If you are an employer who has set up such a plan, you might not be aware of the responsibilities that come with your role as a plan sponsor.

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How to Age in Place

Originally published at Forbes Another important consideration for housing decisions, whether you decide to stay put or move, is to make sure a foundation exists to comfortably support aging in place. This concept refers to the growing industry around helping the aging population remain in their homes despite functional or cognitive impairments. Individuals benefit from…

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Protecting Your Assets and Making Your Wishes Known

A lot of things get lumped under the broad title of estate planning. Not only are you arranging the financial aspects of your estate, but you’re letting everyone know your intentions regarding healthcare and any other wishes you may have. This process is exactly the same before and after retirement; the only difference is that…

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What Does Retirement Mean?

Retirement has changed. It’s no longer about getting your gold watch and playing golf all the time. Retirement is now a frame of mind – you’re retired when you can do what you want. It doesn’t necessarily have anything to with whether you are drawing a paycheck or not. Retirement is the freedom to decide…

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Organizing Your Finances After a Chronic Illness

Chronic illness is life-changing. When it comes to medical expense coverage, you might be looking at new regulations on the kinds of treatments available to you, the physicians you meet with, and the hospitals that are covered. Unfortunately, the older you get, the more likely a chronic illness becomes. The statistics are staggering: 90 percent…

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Total Return vs Income Investing: Same, but Different

Retirees can take 2 main approaches to spending from portfolios. 1) Focus on income and dividends produced in the portfolio, a.k.a. “income investing.” 2) Sell assets as appropriate to meet spending needs. For your portfolio, they’re basically the same thing. But, from your point of view, you should be aware of one difference: focusing on income investing can make your portfolio less diversified.

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