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Archive for the Retirement Category

2017 Year End Tax Tips

If tax time brings you stress, read on.  First, take heart that you can act before the end of the year to help minimize the pain of April 15.  Then, consider the tax tips below affecting key areas of your financial life—from your portfolio to your retirement […]

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How to Plan Ahead for Retirement Healthcare Costs

How to Plan Ahead for Retirement Healthcare Costs

Healthcare will be one of the largest categories of expense for most retirees – and medical inflation is expected to run 2 to 3 times faster than general inflation. Retirees can cope by fine-tuning their Medicare coverage.  That can help control spending in retirement.  But what about […]

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What Happens to Your Health Savings Account (HSA) in Retirement?

What Happens to Your Health Savings Account (HSA) in Retirement?

Health savings accounts get plenty of attention in the financial media and in Washington.  Given all the publicity, it may come as a surprise that assets in HSAs aren’t all that impressive: Just $37 billion was stashed in the accounts at the end of 2016, according to HSA […]

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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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