retirement Archives

Achieving Financial Independence, Balanced Living, Investments, Post-Retirement Planning

3 Retirement Obstacles

Getting older just kind of happens. The next thing you know you've hit 50 and can't believe you are that old. Many of my clients are fiftyish and have their focus squarely on getting their childthrough the college years and/or retirement.…

Achieving Financial Independence, Balanced Living, Counting Your Pennies, Post-Retirement Planning

Why a Zero Credit Card Balance Can Be Misleading

Yes, you read that correctly, zero credit card balances can be very misleading. I'm not saying that carrying a credit card balance is a good thing. What I am saying is the convenience of whipping out plastic to pay for things is a MAJOR impediment…

Retirement, Tax Planning

Roth Conversion Super Attractive Now For Many People

Roth conversion's are worth a close look now, especially after new tax law. Whether you are retired or not, this may be a great time to convert Traditional IRA (including those 401k rollovers) to Roth IRA's. Why now? The New Tax Law. These…

Balanced Living, Insurance, Post-Retirement Planning

Why You'll Never Spend All of Your Money in Retirement

Creating a private pension could be just what you need to maximize retirement income. Everywhere we look we are told to save now for our retirement years. Nothing wrong with that advice, but you should know that you're unlikely to enjoy a…

Achieving Financial Independence, Balanced Living, Post-Retirement Planning

How to Afford to Retire at 55

How can you afford to retire in your mid-50's? If you are not in love with the drudgery of your job, then read on. It's not easy, but surprisingly "getting out" could be more affordable than you think. There are few key elements to make…

Achieving Financial Independence, Balanced Living, Mortgage, Post-Retirement Planning, real estate, Retirement

How Your Next Home Purchase Can Make or Break You

Everyone knows that a home is a major purchase, but most people don’t take the big picture view when they take the plunge. Did EGO get in the way (subconsciously) when you made a home purchase? We know that we are judged by our house and that…

Achieving Financial Independence, Estate Planning, Insurance, Post-Retirement Planning

How to Spend Your Retirement Nest Egg and Leave it to Heirs

Have Your Cake and Eat it Too With your financial legacy it's possible, but it takes planning. Life insurance is truly the asset of love. I say that because of the dual purposes it serves. Temporary or term insurance is true insurance, you…

Achieving Financial Independence, Financial Management, Goals-Based Planning, Retirement

Mortgage Payment is a Retirement Killer

Will your retirement be put off because you still have mortgage payments to make? For millions of Baby Boomers, they cannot afford to stop working until their mortgage is paid off or they decide to downsize. I spend many of my days…

Achieving Financial Independence, Post-Retirement Planning, Retirement

When Will You Be Able To Retire?

When will You have Enough Money To Retire? Brief History Lesson: The term “retirement” came to be recognized when the Social Security Act of 1935 allowed people to quit work and collect a tax funded paycheck when/if they reached the age…

Investments, Post-Retirement Planning, Retirement

How to Use Life Insurance to Save You From Devastating Health Care Costs

New Use for Life Insurance Read this post carefully if you or your parent has assets they want to pass on to their kids. Most senior citizens consider buying long-term-care insurance because they know that the cost of significant care is exorbitant. …