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Archive for the Retirement Category

6 Key Reasons Why Investing in a Taxable Account Is Underrated

Investors are often schooled in the virtues of stashing money in tax-sheltered savings vehicles, whether IRAs, company retirement plans, 529s, or health-savings accounts. At a minimum, these savings accounts all offer tax-deferred compounding – meaning you won’t pay any taxes on a year-to-year basis as long as […]

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A Hierarchy for Retirement Savings

There are several account options available to investors for retirement savings purposes, including 401(k)s (403(b), 457, and the equivalents), IRA(s), and taxable accounts. One question investors often ask is, if they have a fixed sum of money to invest every month or every year, how should they […]

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Retirement Income Principles

Retirement Income Principles

As more than 76 million baby boomers – nearly 25 percent of all Americans — approach retirement age in the next 20 years and make the transition from retirement saving to retirement spending, a recent survey reveals that one-third of those who say they are just five years […]

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Essential Financial Planning Numbers for 2017

Here’s a summary of several of the key financial-planning numbers to have on your radar as we head into 2017. Company Retirement Plans: 401(k), 403(b), and 457 The contribution limits for 401(k)s, 403(b)s, and 457 plans are staying the same for 2017 as they were in 2016. Contribution limits […]

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When It Pays to Retire With a Mortgage

Sometimes retiring with a home you own free and clear isn’t the best choice. If you’re in or near retirement and still have a mortgage, you have plenty of company. People in their fifties and sixties are far more likely to have mortgages than prior generations had […]

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When It Pays to File Early for Social Security

Filing for Social Security while your benefit is still growing sometimes makes sense. In deciding when to take Social Security, later is almost always better than sooner, and for good reason. Each month you defer, from your 62nd birthday to your 70th, your monthly benefits grow.  That […]

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Seeking Financial Simplicity

Take steps to reduce the stress of managing your money. With today’s economic challenges, it’s not surprising that a growing number of people say they are feeling stressed about their personal finances. In fact, four out of five Americans say they feel anxiety due to money, according […]

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Simplicity – Quotes

A listing of quotes from financial resources espousing the virtues of SIMPICITY… William Smead: “An investment is like a bar of soap. The more you handle it, the smaller it gets.” Confucius: “Life is really simple, but we insist on making it complicated” Christine Benz, Morningstar Director […]

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3 Portfolio Checkup Traps to Avoid

3 Portfolio Checkup Traps to Avoid

Here are a few common traps to avoid as you perform a periodic portfolio review. Trap 1 – Focusing on the Details, and not the Overall Plan A common mistake is to too quickly get into the “weeds” of your portfolio, focusing on the performance of individual […]

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Social Security FAQ: Spousal Benefits

Social Security FAQ: Spousal Benefits

Questions, questions – and plenty of them about Social Security’s valuable spousal and survivor benefits. The recent decision by Congress to phase out the file-and-suspend and restricted claim loopholes under the Bipartisan Budget Act of 2015 (BBA) has stirred up even more interest in the topic. The […]

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