From: nationalreview.com
While engaging in the mundane task of gathering financial statements for a “secure retirement” meeting with my husband’s and my adviser, this Baby Boomer stumbled upon documented proof that our nation does not have the guts to confront one of its most serious economic problems. The realization came when I pulled from my files a document statement innocently titled,…
From: time.com
How well do you understand our federal insurance program?
Two recent surveys show that Americans are severely lacking when it comes to even basic Social Security knowledge. For example, the majority of people don’t even know what the normal Social Security retirement age is. And knowledge of topics like citizenship requirements, ability to work while collecting Social Security, and the future ability…
From: lifehealthpro.com
While some (very few) industry experts say there’s little or nothing to fear on the retirement front, deep down inside we all know it’s not true.
How else to explain how worried everyone is about retirement?
Insecurity on the job (or a complete absence of employment), low and frozen salaries, high expenses and unpredictable markets have thrown people into a tizzy over how they’re going to afford to…
From: foxbusiness.com
With traditional safety nets such as company pensions and Social Security dwindling, many of the 78 million baby boomers are left trying to answer one question: “Who’s going to pay my retirement paycheck?”
Annuities are one investment that more and more prospective retirees are considering. These financial products are created by the insurance industry, and offer a lot more flexibility and advantages than other investments….
From: insurancenewsnetmagazine.com
One day, advisor Joe Lucey received a call from a commercial airline pilot who wanted to come in and talk about financing retirement. The pilot, whom we’ll call George, said he had heard Lucey talking about retirement planning on Secured Retirement Radio, a weekly show that Lucey hosts. That commentary prompted George to call for an appointment.
When George explained his purpose, he seemed calm…
From: Michael Finke, Wade D. Pfau, David M. Blanchett
The safety of a 4% initial withdrawal strategy depends on asset return assumptions. Using historical averages to guide simulations for failure rates for retirees spending an inflation-adjusted 4% of retirement date assets over 30 years results in an estimated failure rate of about 6%. This modest projected failure rate rises sharply if real returns decline.
As…
From: riverbendinvestments.com
A common mistake investors make is assuming a certain rate of return and not understanding the impact it has on their portfolio growth.
Investors typically “reach for performance” within their investment accounts. Which is what we are suppose to do. Right?
Well, not exactly…
While trying to obtain the best rate of return sounds like a good idea for an investment portfolio, the added volatility…
From: blackrock.com
Even with 401(k) savings and Social Security retirement benefits, American workers still face an income gap in retirement.
There was a famous commercial jingle that encouraged shoppers to “Fall into the Gap,” but there’s a different kind of gap facing many retirees in retirement: an income gap. According to the first quarter CoRI™ Retirement Indexes Commentary, a 64-year-old worker with median retirement savings and median income…
From: cbs46.com
WASHINGTON (AP) – The Supreme Court ruled unanimously Monday in favor of participants in employee retirement plans who object to companies’ investment decisions that eat into retirement savings.
From: financial-planning.com
Long-term care is expensive and getting more so. All types of care — in-home care, adult day care, and facilities-based care — saw an increase in costs year over year as well as annualized increases over the last five years, according to data from insurance provider Genworth.
Though the price tag is going up across the board, the costs for in-home care options are…
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