We are a fiduciary firm!
When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks? Here are some factors to keep in mind when making your decision: Consider what you know (and don’t know). You know how much retirement money […]
Just like any major life event, retirement brings about a lot of unexpected changes. Many of these changes will be in lifestyle, hobbies, or location, but the most worrisome for retirees are the unexpected changes with their financial situation. If you are like most of our clients, you have planned well for your retirement, but […]
From middle-aged wage earners to current retirees, just about everyone is eager to know what they can expect of Social Security in the coming years. People are living longer lives and requiring longer-term sources of income, yet rising health care costs, government deficits and a still-shaky economy could jeopardize their retirement prospects. Despite the consistent […]
In the first part of this article, we discussed several elements that often comprise the shape and tone of a retirement picture, and stressed the importance and absolute need to put some serious thought into how important each element is to you if you want to achieve a picture-perfect retirement. With the guidance of the […]
When you take the time to ponder your retirement picture, how much do you see and how well-focused is the image? A comprehensive retirement plan is, in a manner of speaking, a picture of your future — a future in which an alarm clock won’t likely figure very prominently, if at all, since you’ll no […]
You have worked hard all of your life. You have raised a beautiful family that you are proud of, and you and your spouse are finally ready to enjoy your golden years together. And yes, you have also planned and saved for these future retirement years. Maybe you planned many years ago or maybe you […]
If you’re like most Americans, no matter how old you may be, you’ve had the importance of saving money drilled into your head ever since childhood. Even now, as an adult, you can almost hear your parents voicing didactic phrases like, “A penny saved is a penny earned”, “Money doesn’t grow on trees” or “A fool […]
When we put money into our retirement accounts we do so for a specific purpose: retirement. All the money you have funneled into your 401(k) is supposed to buy you that dream retirement lifestyle you spent your entire life working toward. But unfortunately, more and more people are finding that life can throw them curveballs […]
When we go to the doctor, we are all used to hearing those basic questions that check-ups usually start with: “Do you drink? Do you smoke? How much exercise do you get a week? Are you experiencing any pain?” Those questions, although simple, are critical to doctors. They use your answers to establish a baseline for how […]
Many people preparing for retirement feel like a kid on a road trip. “Are we there yet?” It’s the common feeling of anyone aiming for a destination. Unfortunately, for many future retirees it can feel like they are that cartoon character chasing after the sandwich hanging from the stick at their back. They keep running […]