Retirement

  • Most Topular Stories

  • "Working" Capital

    Data "Points"
    12 Sep 2014 | 7:14 pm
    In response to concerns that tomorrow’s retirees will run short of money, we are often told to save more, to work longer, or — as often as not these days — to work longer and save more. Certainly working and saving longer can do wonders in terms of stretching your retirement nest egg.It should probably come as no surprise that American workers are expecting to work longer. The Retirement Confidence Survey notes that in 1991, just 11% of workers expected to retire after age 65. This year that was up to 33% of workers, and another 10% who said they don’t plan to retire at all.However,…
  • How to Put the Meaning into Retirement

    Sensible Money - Scottsdale Financial Advisors
    Dana Anspach
    22 Sep 2014 | 1:34 pm
    FreeDigitalPhotos.net You have a unique opportunity in retirement. A large portion of your time is no longer needed to sustain yourself. You have true financial independence and the possibility of using your time to contribute to anything you want – whatever matters the most to you. Given that, if there was one thing and only one thing I could get you to do as you transitioned to retirement, what do you think it would be? Most of you are probably smiling thinking “She’s going to say we need to get a financial plan.” Nope, that’s not it. The one thing I would want every near…
  • The Benefit Of Being a Long Term Investor

    FutureAdvisor Blog
    Simon Moore
    29 Sep 2014 | 12:19 pm
    The S&P 500 since 1950 has fallen 47% of the time on a daily basis. That means that chance of the market rising or falling each day is a shade better than a coin toss. However, the market falls only 27% of the time on a 12 month, and only 7% of the time when you look at a rolling 10 year view. From a historical standpoint the chance of market decline reduce significantly as your time horizon lengthens. On a daily basis, all of us are really guessing as to how the market will do. Nonetheless, over the course of a decade, it’s surprising if stocks don’t rise in value. What looks almost…
  • Kathy and Mike Spadaccini…A Groovy Kind of Love!

    Brunswick Plantation Living
    Bev
    25 Sep 2014 | 1:18 pm
    We have so many Fun and Interesting Folks living at Brunswick Plantation and Golf Resort! Kathy and Mike Spadaccini are among the newest additions! They are currently having a  house built in The Hamptons section of the Plantation.  Meanwhile, they … Continue reading → The post Kathy and Mike Spadaccini…A Groovy Kind of Love! appeared first on Brunswick Plantation Living.
  • Granddaughters Say the Darndest Things

    Retirement And Good Living
    Len Schritter
    1 Oct 2014 | 7:46 am
    Years ago, (and I’m really dating myself here, but I bet some of you remember), there was a TV show in the middle of the day called Art Linkletter’s House Party. The show ran the gamut from household hints, informal celebrity interviews and musical groups. But the highlight of the show was at the end ...more
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    Data "Points"

  • "Working" Capital

    12 Sep 2014 | 7:14 pm
    In response to concerns that tomorrow’s retirees will run short of money, we are often told to save more, to work longer, or — as often as not these days — to work longer and save more. Certainly working and saving longer can do wonders in terms of stretching your retirement nest egg.It should probably come as no surprise that American workers are expecting to work longer. The Retirement Confidence Survey notes that in 1991, just 11% of workers expected to retire after age 65. This year that was up to 33% of workers, and another 10% who said they don’t plan to retire at all.However,…
  • Under Covered

    5 Sep 2014 | 7:23 pm
    Have you heard this one? “Only about half of working Americans are covered by a workplace retirement plan.”Sure you have. It’s a statistic that is widely cited and reported, both in the mainstream press and on Capitol Hill. It comes from a reliable, objective source (the U.S. Census Bureau’s Current Population Survey) and conjures up a compelling need for action by advisors (and others) hoping and working to expand the availability of workplace retirement plans.In reviewing the Census Bureau data, the Employee Benefit Research Institute (EBRI) recently noted that, in 2011, 78.5…
  • "Class" of '74

    2 Sep 2014 | 4:30 am
    Pensions were not on my mind in 1974, certainly not on Labor Day of that year.  While I was pondering my new college textbooks, President Gerald Ford, less than a month in that role, signed into law the Employee Retirement Income Security Act of 1974 – better known to most of us as ERISA. Little did I know at the time that that law – and the structure it provided to the nation’s private pension system – would, in the years to follow, play such an integral role in my life.ERISA did not create pensions, of course; they existed in significant numbers prior to 1974.  Rather, it…
  • "Working" It Out

    23 Aug 2014 | 6:30 am
    It is routinely reported that 10,000 Baby Boomers are retiring every day, and yet surveys continue to indicate that Americans plan to postpone retirement. This raises the question: are more older Americans working? A recent Wall Street Journal article notes (subscription required) that one of the biggest changes in the U.S. labor market over the past two decades has been the increasing number of people working over the age of 55. As recently as 1993, only 29% of people that age were in the labor force, but by 2012 more than 41% of that age group were still in the labor force, the highest…
  • When You Assume...

    16 Aug 2014 | 2:57 pm
    The use of assumptions was the focus of a recent report from the Employee Benefit Research Institute (EBRI), which not only highlighted the assumptions used in two separate retirement studies, but illustrated a real problem with their results. The EBRI report examined two earlier  studies — one by Pew Trusts, the other by the Center for Retirement Research at Boston College — that purported to show that the retirement prospects for Gen Xers were worse than those of the Baby Boomers. The EBRI report not only highlighted the questionable assumptions, but took the time to quantify the…
 
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    Sensible Money - Scottsdale Financial Advisors

  • How to Put the Meaning into Retirement

    Dana Anspach
    22 Sep 2014 | 1:34 pm
    FreeDigitalPhotos.net You have a unique opportunity in retirement. A large portion of your time is no longer needed to sustain yourself. You have true financial independence and the possibility of using your time to contribute to anything you want – whatever matters the most to you. Given that, if there was one thing and only one thing I could get you to do as you transitioned to retirement, what do you think it would be? Most of you are probably smiling thinking “She’s going to say we need to get a financial plan.” Nope, that’s not it. The one thing I would want every near…
  • October’s Online Retirement Class: The Key to Retirement Success

    Dana Anspach
    16 Sep 2014 | 1:42 pm
    October’s Class: The Key to Retirement Success In this free online retirement class we’re going to discuss the retirement risks that you can’t control such as longevity, market returns, inflation, the economy, and how they affect how much money you will need in retirement. Then we’re going to show you how you can adjust the items you can control, such as spending, tax management, investment risk, and your retirement date, to maintain a stable life-long standard of living. This class will be live. It will run about one hour followed by questions and answers. It will be offered on a…
  • Investment Sense – Short Term Memories

    Dana Anspach
    29 Jul 2014 | 8:43 am
    Index Returns Through June 30, 2014 The conference room was full with over 100 financial advisors in attendance. The speaker asked a simple question. What were two of the biggest items in the media in the last few years that all your clients were asking about? I guarantee many of you reading this asked us about these things – and considered moving your portfolio to cash – just in case. Can you remember? They were: Greece The Government Shutdown We fielded numerous questions about these things and spent a lot of time “talking people off the ledge” so to speak; meaning encouraging…
  • What Should a Retirement Withdrawal Plan Include?

    Dana Anspach
    20 May 2014 | 2:21 pm
    Retirement income planning involves knowing how much to pour each year, and out of what bottle. Imagine you are headed out on a hike. If it’s going to be a long hike, you’ll likely wear a Camelback and maybe even fill up a few extra bottles to take with you. This process of filling up your bottles represents the savings, or accumulation phase, of your financial life. Once retired, the process changes. Now you need to determine how much you can drink from each bottle, and over what time frame, to make sure you have enough to last throughout the adventure. This is the decumulation…
  • Investment Sense – The Value of Ongoing Advice

    Dana Anspach
    24 Apr 2014 | 1:18 pm
    Index Returns Through March 31, 2014 2014 got off to a rough start… of course now that things have stabilized, it is hard to recall the rough start. That is an example of “recency bias” in action. Recency bias is our tendency to use recent experiences as the baseline for what will happen in the future. When the market is down, we become convinced it will remain at a permanent low. When the market is up, we become convinced it should keep going up. When interest rates are dismally low, we become convinced they will stay low forever. Although at the time we may feel convinced of it, that…
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    FutureAdvisor Blog

  • The Benefit Of Being a Long Term Investor

    Simon Moore
    29 Sep 2014 | 12:19 pm
    The S&P 500 since 1950 has fallen 47% of the time on a daily basis. That means that chance of the market rising or falling each day is a shade better than a coin toss. However, the market falls only 27% of the time on a 12 month, and only 7% of the time when you look at a rolling 10 year view. From a historical standpoint the chance of market decline reduce significantly as your time horizon lengthens. On a daily basis, all of us are really guessing as to how the market will do. Nonetheless, over the course of a decade, it’s surprising if stocks don’t rise in value. What looks almost…
  • Birth Control: A Twenty-Something’s Best Asset Class

    E.A. Mann
    16 Sep 2014 | 8:59 am
    Let’s say you’re a twenty-something with money to invest. Maybe you just started your first real job. Of course you’ll want to fund your 401(k), especially if there’s an employer match. You should open a Roth IRA. You may even want to start saving toward your first home purchase. But at the end of the day, your best performing investment might be your stock of birth control. It doesn’t have a ticker symbol and it doesn’t pay a quarterly dividend, but it insures against one of the biggest expenses a young person can incur: an unexpected child with an arbitrary partner. We know that…
  • Study: Uber Pulls Ahead of Lyft in Riders and Revenue With 12x Lead in U.S.

    Chris
    11 Sep 2014 | 6:00 am
    Uber has pulled ahead of Lyft in terms of revenue, riders, revenue per rider and absolute growth rates in the U.S., according to exclusive data from FutureAdvisor. Uber’s revenue was about 12 times Lyft’s for the 12 months until May 2014 in the US market, data tracking 3.8 million active credit and debit card users show. Those customers spent $28.6 million on Uber and Lyft for the period of June 2013 to May 2014. Of that, $26.4 million went to Uber and $2.2 million went to Lyft, the data show. During that same period, Uber provided more than 7 times the rides that Lyft did, and…
  • What Is Beta?

    Nicholas Pell
    2 Sep 2014 | 6:46 am
    The stock market is a good investment when taken as a whole; In any given period longer than three years, historically speaking, the chances are high that you’re going to come out on top, provided you invest in the whole market. Picking individual stocks, however, is much more risky. Enter beta. Beta is the coefficient used to measure the volatility and risk of a specific stock. The higher the beta coefficient, the greater the risk of investment. For example, treasury bonds have a very low beta, whereas stocks with prices all over the place have a very high beta. In practice this means that…
  • Why Student Loan Debt Should Inspire You To Save

    futureadvisor
    28 Aug 2014 | 6:38 am
    In 2012, student loan debt surpassed $1 trillion dollars in the U.S. We’ve added another $200 billion since then. Nearly one in five American households is paying off student loan debt, as are approximately two-thirds (37 million) of American students. The average debt per student is around $27,000, surpassing car loans and credit cards as the largest source of personal debt in America. It is the second most important type of consumer debt behind mortgages. Left unchecked, student loans could be the next subprime mortgage. The repercussions of rising student debt extend far beyond…
 
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    Brunswick Plantation Living

  • Kathy and Mike Spadaccini…A Groovy Kind of Love!

    Bev
    25 Sep 2014 | 1:18 pm
    We have so many Fun and Interesting Folks living at Brunswick Plantation and Golf Resort! Kathy and Mike Spadaccini are among the newest additions! They are currently having a  house built in The Hamptons section of the Plantation.  Meanwhile, they … Continue reading → The post Kathy and Mike Spadaccini…A Groovy Kind of Love! appeared first on Brunswick Plantation Living.
  • Golf News from the Pro 9.14 by Brunswick Plantation Living

    Kevin Anderson
    15 Sep 2014 | 1:50 pm
    Hello again Members and Property Owners,   With the summer season winding down and events slowly coming to an end, the golf shop would like to thank all of our members for a wonderful summer full of golf, and fun! … Continue reading → The post Golf News from the Pro 9.14 by Brunswick Plantation Living appeared first on Brunswick Plantation Living.
  • Coastal Living News and Events…9.14

    Bev
    15 Sep 2014 | 1:47 pm
    Brunswick Plantation and Golf Resort is a picturesque gated community in Calabash, North Carolina… Just minutes from Little River & N. Myrtle Beach, South Carolina.Folks here enjoy the variety of events and activities available in Coastal Carolina! The following are … Continue reading → The post Coastal Living News and Events…9.14 appeared first on Brunswick Plantation Living.
  • Brunswick Plantation News and Events 9.14

    Bev
    15 Sep 2014 | 4:45 am
    The Fall Season is full of activities at Brunswick Plantation and Golf Resort, as well as, planning for Future Fun Events in our lovely gated community! “Hat’s Off ” to the many dynamic people and organizations that make Brunswick Plantation … Continue reading → The post Brunswick Plantation News and Events 9.14 appeared first on Brunswick Plantation Living.
  • SOS Fall Migration…Shag Dance Party in N. Myrtle Beach

    Bev
    12 Sep 2014 | 6:30 am
    Brunswick Plantation and Golf Resort in  Coastal Carolina has so many interesting and exciting opportunities for an active and interesting lifestyle! Located just minutes from South Carolina, there is easy access to fun in both states. The Carolina Shag was … Continue reading → The post SOS Fall Migration…Shag Dance Party in N. Myrtle Beach appeared first on Brunswick Plantation Living.
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    Retirement And Good Living

  • Granddaughters Say the Darndest Things

    Len Schritter
    1 Oct 2014 | 7:46 am
    Years ago, (and I’m really dating myself here, but I bet some of you remember), there was a TV show in the middle of the day called Art Linkletter’s House Party. The show ran the gamut from household hints, informal celebrity interviews and musical groups. But the highlight of the show was at the end ...more
  • Retirement – An Opportunity to Balance the Facts of Life

    Gordon Kinghorn
    28 Sep 2014 | 1:13 pm
    The trouble with spending the majority of one’s working life, as a soldier, is that few of us who have spent our productive years within the military fold can claim any lasting achievement.   After all, architects will have their buildings and copious other constructions to be remembered by, bridge builders and motorway labourers alike, ...more
  • From Reluctant Campers to Committed Full-time RVers

    Kathy and John Huggins
    27 Sep 2014 | 4:41 pm
    My wife and I had a casual acquaintance with camping when we got married. She had camped in tents with her family growing up. I had done a lot of camping as a Boy Scout leader while our boys were growing up. We both enjoyed the outdoors and traveling to new places, but we had ...more
  • Retirement On The Edge

    Lori Brothers
    26 Sep 2014 | 12:00 pm
    As a yoga therapist working with students and heart patients for many years, including delivering The Dean Ornish Program For Reversing Heart Disease, I teach the value of choosing wisely. In the world of Yoga and Stress Management we often say, “If you’re not living on the edge, you’re taking up too much space.”   ...more
  • An Offer I Can Refuse

    Linda Vernon
    25 Sep 2014 | 4:07 pm
    I noticed I’ve been thinking a lot about death lately. I guess because I’m getting older and the future isn’t as wide open and expansive as it used to be.   It’s like I’m reaching the crest of the hill of life, whereupon it’s all downhill from here on out. Don’t get me wrong. I’m ...more
 
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    A Satisfying Retirement - Is a Lifestyle You Choose

  • A Sampling From The Trip

    Bob Lowry
    30 Sep 2014 | 2:00 am
    There is no particular order for these photos, just some that caught my eye as I started to review the thousands Betty took on the RV trip. We would like to put together a few "coffee table" books for our home based on different subjects, like sunsets, mountains and monuments, beautiful campgrounds, and oddities on the road. It is also time to freshen some of the photos printed on canvas that adorn our walls.All in all, we have enough photo projects to keep us busy until next year's trip to Oregon and the Pacific Northwest.Enjoy.Look at that smile on Betty's face.....even after 6 weeks…
  • A Retiree Builds His New Life

    Bob Lowry
    26 Sep 2014 | 2:00 am
    A month or so ago I received an e-mail from Carl, a reader who wanted to share his story. Since I know there is a healthy interest in how folks live a satisfying retirement, his thoughts are certainly worth sharing with you. I think it's great you started a blog that addresses retirement. Everyone dreams of not working. But I'm not sure they think about how they will spend their time. I retired from the Automotive industry after 35 yrs, at 54 yrs of age. That was two years ago. I also wrote songs on the side for 20 yrs.It took a year or so to get a schedule going. I try to…
  • Retirement and Debt: How Do You Handle The Two?

    Bob Lowry
    22 Sep 2014 | 2:00 am
    Our just completed vacation trip was expensive. Importantly, it was planned and budgeted for well ahead of time. We would not have pulled the RV out of the driveway if the trip was going to be funded with credit card or home equity debt. We would have stayed home if the money spent would mean serious cutbacks once we returned.Retirement is not a time to be worried about excessive debt. Yet, recent studies show too many of us may be putting ourselves in that position. A story in USA Today last month showed some disturbing trends. According to the article the percentage of homeowners age 65 and…
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    Early Retirement Extreme

  • Make your own refried beans

    Jacob
    1 Oct 2014 | 4:27 pm
    Here’s how to make refried beans (unit cost: negligible) First you get a 20lbs bag of pinto beans for free at freecycle.org Second, you take a large bowl and soak the some beans in water all day. Third, you cook them in a pressure cooker. An ordinary pot works as well, but it takes 3 times as long and requires 6 times as much electricity, gas, etc. Fourth, you mince an onion and crush a few garlic. By a few I mean a lot Fifth, you saute the onion and garlic in a deep pan until golden brown. Cast iron works great(*). I use one of these. Use more oil than you think.You probably want to…
  • How to remove rust using kitchen utensils only

    Jacob
    1 Oct 2014 | 4:24 am
    You can buy all sorts of rust removal formulas, many of which are toxic, and also cost money. However, there’s a much better method to removing rust and it involves using kitchen utensils only. To remove rust using kitchen(*) utensils, you need Aluminium(**) foil. Oil. I think any oil will do, say, canola oil, although I must admit I cheated and used some bicycle oil, since I was cleaning a headset and didn’t feel like cooking it afterwards. (*) If you do not know where or what the kitchen is, it is the room where your wife cooks your food. Sorry, I couldn’t resist (**)…
  • How do I get my spouse to go along with my frugal plans?

    Jacob
    30 Sep 2014 | 4:23 pm
    So you have joined the ranks of enlightened people, who want to retire early, move to another country, or redesign their lifestyle, and now you want your spouse or partner to go along with it? Not so fast! While winning friends is easy, influencing people is a lot harder, but it can be done. I am a little dense when it comes to interpersonal understanding, but I have still learned a thing or two. The first and most important thing is that a person sounds a whole lot smarter and more intelligent when you agree with what the person is saying(*). Most people listen to other people mainly to…
  • Pandora and the box of unknown wants

    Jacob
    30 Sep 2014 | 4:21 am
    If you have a high speed (DSL or faster) internet connection and you like music but find yourself frustrated with radio stations playing the same music over and over again head over to Pandora. Pandora has a team of musicians analyzing songs for tone, sound, tonality, etc. I believe they call it the DNA of the music. You then enter a song or artist you like and Pandora compares their DNA to other tunes or artists with similar qualities. Best of all, it starts streaming songs to you for free. You can then rate them “thumbs up” or “thumbs down” to teach the database what…
  • Subscribe to the forums

    Jacob
    29 Sep 2014 | 4:15 pm
    I burned a feed for the forums so you can subscribe via RSS (google reader et. al). Lots of good info there. They include topics I don’t normally cover on the blog, such as specific countries, which states are best for early retirement, careers, etc. You don’t need to register an account to read the forums, but you do need to register an account to post. The forums are also the best place to ask if you have a specific question—“I am NN years old and have $XXX,XXX dollars invested in X, Y, and Z, my plan is … what do you think?”—instead of sending it…
 
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    Oblivious Investor

  • Financial Advisor Fees Are Irrelevant, If You’ve Already Paid Them

    Mike
    29 Sep 2014 | 5:00 am
    A reader writes in, asking: “After reading your books and others on the Boglehead reading list, I think I’ve determined that my new money should go to Vanguard index funds. But I’m thinking about keeping my existing savings with the advisor I’ve been using for several years. I’m less optimistic than ever about his ability to beat index funds but it seems like leaving him would mean that all the money I’ve paid in commission and fees over the years would be a waste. Does this line of thinking make sense?” To put it bluntly, no, that line of thinking…
  • Investing Blog Roundup: Spending in Retirement

    Mike
    26 Sep 2014 | 5:00 am
    This week, two articles dealing with recent retirement-related research came across my radar — one discussing income, spending, and overall satisfaction in retirement, the other discussing mental health in retirement: Despite Curveballs, Most Retirees Manage from Tom Lauricella (The study’s press release can be found here.) Retirement: a Good State of Mind from the Squared Away Blog at the Center for Retirement Research Investing Articles Does Equity Risk Decrease Over Time? from David Blanchett, Michael Finke and Wade Pfau Lump Sum Investing vs. Dollar Cost Averaging from…
  • Investing Blog Roundup: Market Valuations and Retirement Asset Allocation

    Mike
    19 Sep 2014 | 5:00 am
    Housekeeping note: We have family and friends visiting from out of town this week and early next week, so there will be no article on Monday. This week researchers Wade Pfau and Michael Kitces released a new paper looking at an assortment of different asset allocation strategies in retirement — ranging from various static allocations, to various “glide path” allocations that either increase or decrease the stock portion over time, to various valuation-based allocations that adjust the stock/bond ratio over time based on whether stock valuations are high or low. The paper and…
  • A Look at Vanguard’s Managed Payout Fund

    Mike
    15 Sep 2014 | 5:00 am
    A reader recently wrote in asking for a discussion of the Vanguard Managed Payout Fund — how it works and what it might be good for. In short, the fund is meant to be a tool for investors who are spending from their portfolios (i.e., retirees). It’s an all-in-one fund (like the LifeStrategy or Target Retirement funds), but it also implements a withdrawal strategy for you. In other words, the fund handles not only asset allocation and rebalancing, but also the implementation of a distribution strategy. Pretty neat idea, in my opinion. What is the Distribution Strategy? Perhaps…
  • Investing Blog Roundup: Fixed Indexed Annuities

    Mike
    12 Sep 2014 | 5:00 am
    As I’ve written on several occasions, I’m a big fan of annuities as a tool for providing retirement income. But that doesn’t really extend beyond boring lifetime annuities. Fixed indexed annuities (a.k.a. equity indexed annuities) are an entirely different animal. And as Allan Roth explains this week, there are a number of potential “gotchas” involved with such products. 6 Questions to Ask Before Buying a Fixed Index Annuity from Allan Roth Investing Articles 5 Simple Steps to the Perfect Portfolio from Walter Updegrave Beware Tactical Asset Allocation Funds…
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    Getting Your Financial Ducks In A Row

  • IRS Notice 2014-54: Will This Clarify NUA Basis Allocation?

    Jim Blankenship
    1 Oct 2014 | 5:34 am
    Recently the IRS issued a Notice, 2014-54, which details some information regarding the allocation of pre-tax funds from a qualified plan (such as a 401(k) plan) into a Roth IRA. This is a clarification of a question that has been on the minds of folks in the financial services industry for some time, and it’s a good result. Now the question becomes: does this help to clarify NUA basis allocation strategies? If you’d like additional detail on Notice 2014-54, you can find the actual text of the Notice by clicking this link. What I find interesting about this Notice is that this is the…
  • File & Suspend and Restricted Application are NOT Equal

    Jim Blankenship
    29 Sep 2014 | 5:22 am
    We’ve discussed the Social Security filing options of File & Suspend and Restricted Application many times before, but it seems that folks continue to confuse these two options. It’s easy to see why: one (File & Suspend) can be used to enable the other (Restricted Application). Also, neither option is available until the individual is at least at Full Retirement Age (FRA). It’s important to know the difference between File & Suspend and Restricted Application though – primarily because if you confuse the two when talking to the Social Security folks, you’ll have a much…
  • Be Careful of Average Returns

    sraskie
    26 Sep 2014 | 5:00 am
    Standard Deviation Diagram Created with raw PostScript by Pat Beirne, 5/1/06. Based on an original graph created in Adobe Illustrator by Jeremy Kemp, 2/9/05 (Photo credit: Wikipedia) When saving and investing for retirement many folks as well as advisors helping those folks plan save and invest for retirement generally will have the conversation that includes how much they can save per month or year, how much they need at retirement and how long they have to save until retirement. Essentially, all of the ingredients in the previous paragraph boil down to a phrase mentioned many times in…
  • Paper Social Security Statements are Back

    Jim Blankenship
    24 Sep 2014 | 5:46 am
    The best laid schemes o’ mice an’ men Gang aft agley — Robert Burns To a Mouse, on Turning Her Up in Her Nest with the Plough Photo courtesy of Sylwia Bartyzel on unsplash.com As with many great ideas, in practice the concept of exclusive electronic delivery of Social Security benefit statements seems to have gone “agley”. Apparently a very small percentage of folks actually took advantage of the online version of these statements (primarily my client base, I’m guessing). As a result of this and apparent feedback from customers, advocates and Congress, Social Security…
  • Five-Step Reallocation

    Jim Blankenship
    22 Sep 2014 | 5:01 am
    Since there’s been an appreciable run-up in stocks over the recent past, now may be a good time to reallocate your investment allocations in your retirement plans and other accounts. You’ve probably heard of reallocation before – but what does it really mean? Reallocating is the process of changing your current mix of investments to a different mix. It could be that you’ve changed your risk assessment and wish to have more stock and fewer bonds, vice versa, or your investments have grown in some categories from your original allocation and you need to get the mix back to where you…
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    Personalincome.org

  • What Your Options Are When an Annuity Reaches its Maturity Date

    Kevin Mercadante
    1 Oct 2014 | 9:15 am
    There are different options when an annuity reaches its maturity date, but how that plays out has a lot to do with how the annuity was set up when it was started. Annuities are contracts between you and the insurance company, where the details – often including maturity options – are spelled out ahead of time. The process of maturity with an annuity is unlike that of more traditional investments like certificates of deposit. The process of taking income from an annuity – what might be called “maturity” with other investments – is referred to as annuitization. That…
  • 10 Best Companies to Invest in 2015

    Kevin Mercadante
    29 Sep 2014 | 8:14 am
    There are all kinds of lists of recommended stocks available, and here’s our stab at a “Ten Best of 2105” list. We’re looking at stocks that not only have a strong track record of growth since 2009 – the bottom of the Great Recession – but we’re also looking for stocks with above average dividend yields. Growth is important of course, but with the stock market looking more than a little top heavy right now, dividends can provide a solid income during a market slide, and may even minimize the decline in the underlying stock as investors shift to chasing yield. Here are…
  • Success 3.0 Summit Announced! – $2,000 Discount Before Oct. 13

    Donny Gamble
    28 Sep 2014 | 8:14 pm
    Success 3.0 Summit takes place on Oct. 31 thru Nov. 2 in Boulder, CO. This event features some of the most brilliant, accomplished, and high-impact leaders of our day. Through this Summit we will re-imagine success, inspiring a new model to uplift and empower our generation. As we take this journey together, we are creating a new ethos to guide us into the future. The definition of success that we used to get us here will not get us where we want to go. It’s time for an upgrade. The Summit is designed so that you and the Speakers engage directly with each other. There will be: TED-style…
  • Augusta Precious Metals Review – Did I Rollover My IRA With Them?

    Donny Gamble
    28 Sep 2014 | 12:35 pm
    Augusta Precious Metals was founded in 2012 and the company is located in Beverly Hills, CA. It is an online retailer of physical gold and silver products that offer investors the lowest possible prices, according to their website. They also specialize in gold backed IRA’s, which allow individuals the opportunity to hold precious metals in their retirement accounts. What I Learn When Doing Research on Augusta Precious Metals From my initial research on their website, APM has all of the makings of a great precious metals dealer to work with. They offer great prices on their metals, buy…
  • Millennium Trust Company Review – Should you rollover your retirement account?

    Donny Gamble
    27 Sep 2014 | 4:41 pm
    Millennium Trust Company was founded in 2003 and it is based in Oak Brook, IL. It is a financial services company that offers niche alternative custodian solutions for individuals, advisors, and institutions. The company provides self-directed IRA’s and solo 401(k)’s for individuals whom are looking to rollover their current retirement accounts. What I Learn When Doing Research on Millennium Trust Company I love the overall theme of Millennium Trust Co. with it focus on alternative investment options for individuals whom are looking to diversify their retirement savings by…
 
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    fl-retirementplan.com

  • Protect your Money from Fraud

    Gardner Sherrill
    16 Sep 2014 | 1:54 pm
    Published in Bradenton Herald: September 16 By GARDNER SHERRILL |Investor’s Column Protect your money from Investment Fraud A common concern from investors is how to avoid investment fraud. In recent years, I have seen victims from Madoff, Nadal, Stamford, and Brasota. As fraud appears to be increasing it can be helpful to better understand simpleRead more
  • Weekly Market Commentary September 15, 2014

    Gardner Sherrill
    15 Sep 2014 | 1:32 pm
    The Markets If you’re familiar with fairy tales, you’ve probably encountered a story or two that involves the granting of wishes. Usually, these are cautionary tales. Well, there was some wishing going on around the globe last week and, if the wishes come true, the outcomes may be less beneficial than anticipated. Read more
  • Weekly Market Commentary September 8, 2014

    Gardner Sherrill
    8 Sep 2014 | 1:51 pm
    The Markets It’s déjà vu all over again! Last year, pundits and analysts tried to discern when the Federal Reserve might begin to end quantitative easing by reading economic tea leaves. For months, bad economic news proved to be good news for stock markets. This year, investors are seeking signs which might indicate when theRead more
  • Every hour your age increases by 45 minutes

    Gardner Sherrill
    5 Sep 2014 | 2:55 pm
    Life expectancy has been increasing by 15 minutes every hour for the last 50 years or so in the richer countries around the world, according to The Economist. That’s an increase of about 2.5 years per decade. Read more
  • Weekly Market Commentary September 1, 2014

    Gardner Sherrill
    2 Sep 2014 | 2:26 pm
    The Markets There is no substitute for mental preparedness. Just ask any professional athlete or Navy SEAL. One essential aspect of metal preparation is situational awareness – being able to identify, process, and understand what is happening around you at any given time. Read more
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    Bankrate.com » Retirement

  • 2015 COLA looks chintzy

    Jennie Phipps
    1 Oct 2014 | 11:15 am
    It looks like the 2015 COLA will be about 1.7 percent -- bad news for Social Security recipients hoping for more.
  • How to love a reverse mortgage

    Jennie Phipps
    30 Sep 2014 | 2:09 pm
    Reverse mortgages are getting more respect now that retirees really need the money.
  • Medicare: Pricey isn’t always better

    Jennie Phipps
    25 Sep 2014 | 12:45 pm
    On average, Medicare Advantage and Part D prescription drug plan prices aren't going up much this year. Make sure yours doesn't buck the trend.
  • SIMPLE can be simply marvelous

    Jennie Phipps
    24 Sep 2014 | 12:05 pm
    SIMPLE retirement plans are often overlooked, but there are good reasons to consider them if you are self-employed or have a small business.
  • Age 75 and losing ground

    Jennie Phipps
    23 Sep 2014 | 12:10 pm
    Data from the Federal Reserve show that seniors are falling behind financially. They have Fed policy to thank for that.
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    SMSF | SMSF Superannuation | SMSF Specialists | Redwood Advisory

  • SMSF INSURANCE – PREMIUMS ARE DEDUCTIBLE

    Ivan Filipovic
    17 Sep 2014 | 5:36 pm
      The number of SMSFs is increasing with over one million members and 3600 SMSF’s established per month. However, many SMSF members fail to understand the importance of SMSF insurance. The first consideration in starting an SMSF is “is an SMSF right for me?” and if yes, an SMSF is established. Many SMSF investors are quick to open a SMSF bank account and process their rollover from their industry or employer sponsored fund. A key consideration prior to processing your rollover is your current insurance coverage as the transfer may result in insurance ceasing at transfer date. If…
  • HOW TO ROLLOVER INTO YOUR SMSF QUICKLY AND EASILY

    Ivan Filipovic
    15 Sep 2014 | 7:08 pm
    A key part of the SMSF establishment process is rolling over your superannuation balance from your industry/ retail or employer sponsored fund to your Self Managed Superannuation Fund (“SMSF”). If performed incorrectly, this can become a frustrating and timely process. A similar process is followed by most funds, which will include a rollover form, certified identification and a compliance letter. Absence of these documents and the rollover will most likely be declined. Rollover Form The ATO SMSF rollover form can be found here. Note the form is the transfer of ‘whole balance’,…
  • HOW TO SPOT A SMSF PROPERTY SPRUIKER

    Ivan Filipovic
    5 Aug 2014 | 1:01 am
    Property Spruikers have been around for a long time, and are more prevalent now more than ever. With the growth of Self Managed Superannuation Funds (“SMSF”), which control over one third of Australia’s almost $1.7 trillion Superannuation industry, SMSF Property Spruikers now have a new focus – mum and dad SMSF Investors. The rise and shine of SMSF Property Over the last 12 months, there has been a significant increase in awareness around SMSF Property including the ability of the SMSF to borrow to purchase property in an SMSF. Lets remember, this change occurred in 2007, however…
  • 2014/2015 SMSF STRATEGY: CONTRIBUTION CAPS

    Ivan Filipovic
    13 Jul 2014 | 4:09 pm
    The key to utilising an effective SMSF strategy is understanding the tax benefits of SMSF. From investing in shares to borrowing to invest in property, utilising an SMSF can be a key vehicle to securing your retirement nest egg. A key strategy is SMSF contributions including type of contributions and the tax advantages including tax deductions of each contribution. Concessional Contributions From 1 July 2014, the Concessional Contribution cap of $25,000 increased to a new Concessional cap of $30,000, which is good news for those with an effective SMSF Strategy. With indexation frozen over…
  • SMSF PROPERTY: REPAIRS V IMPROVEMENTS

    Ivan Filipovic
    3 Jul 2014 | 9:38 pm
      Many SMSF members are thinking about setting up an SMSF to purchase SMSF Property. Once we let them know that you cannot purchase a beach house and live in it during the holidays, the discussion points to how to borrow to invest in SMSF Property and how to structure the SMSF Property in accordance with Superannuation Regulations. Since 2007, SMSFs have been allowed to borrow to purchase property under a “Limited Recourse Borrowing Arrangement” (LRBA). Given the high regulation of SMSF’s there was not a significant take up of LRBA’s with uncertainty over key areas of the SMSF…
 
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