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Steps in Preparing for Retirement

By Jana Castanon No matter your age, retirement will be here before you know it. However, according to a poll by the Employee Benefit Research Institute, only 13% of consumers felt very confident that they were prepared for retirement. That’s a scary statistic. What about the rest of us? Where are we going to be when that time comes? But it doesn’t have to be that way.  It’s never too …Read More

Spoiling Kids and Your Retirement

By Gary Silverman Kids. They are literally part of you. You are as emotionally connected to them as you are to anyone or anything. Their well-being is so important that you would give your life in their defense. But today I want to discuss a bit about where your responsibility ends, and theirs should begin. Let’s talk about your kids and your wealth. Early in my career, a very nice …Read More

Pay Off Debtor Save For Retirement?

By Barb Miller Wow … what a loaded question! We always hear how crucial it is to get rid of toxic debt, especially credit cards with double digit interest rates. Therefore, people generally assume that paying off debt rather than investing for retirement is the correct answer. In my opinion, this is not really an either/or proposition. The best approach? Do both! One of my favorite financial gurus is Liz …Read More

Saving For Retirement Takes Discipline

By Gary Silverman I was reading the other day (see, you’re not the only one) and found a report by Country Financial that said only 35% of Americans surveyed by phone thought that a typical middle-income family could save enough for a secure retirement. And that was up from an earlier report that stated less than 30% would be able to save enough. Now I realize that times have been …Read More

Retiring Soon? Don’t Forget Tax Implications

By Jason Alderman If your retirement is not far off you’ve probably already started to estimate what your living expenses will be after the regular paychecks stop. Most would-be retirees remember to include routine expenses like housing (rent or mortgage), medical bills and prescriptions, insurance premiums, transportation – even food and entertainment. But don’t forget to factor in taxes, which can have a substantial impact on your cost of living, …Read More

When Retiring Together Doesn’t Make Sense

By Jason Alderman Back when people from my parents’ generation were first planning their lives together most married couples looked forward to working hard for a few decades, buying a house, raising a family, and then retiring together while they still had enough money and energy to travel and pursue favorite hobbies. Some couples do manage to pull this off and thrive, but for many others any of a host …Read More

A Debt Free Retirement

By Mark Foster When people think of retirement planning, there is one factor that is often overlooked – becoming debt free. But becoming debt free is one of the best things that you can do for your eventual retirement. The average monthly Social Security check is approximately $1,250. Imagine trying to live on that amount. Many retired Americans do. Imagine how much easier it would be for you as a …Read More

How to Avoid OverspendingYour Retirement Fund

By Carla Blair With the technological and medical advancements in the past few decades, life expectancies have become longer and longer. This poses a problem to those of retirement age: what if you outlive your savings? Here are some tips to help you make sure that that doesn’t happen, and that you will be financially safe for life—however long that is. Plan Ahead What are your monthly expenses now? They’ll …Read More

Borrowing From Your Retirement Savings

By Gary Silverman Life can throw you smack dab between a rock and a hard place. It’s times like this when you think about borrowing from your retirement savings, even though you know it’s not the best idea. While I hope you never find yourself in this situation, given the number of readers and the nature of life itself, I’m guessing someone reading this is struggling with this decision right …Read More

Retirement Plan Limits Increase in 2013

By Jason Alderman Benjamin Franklin once declared, “Nothing can be said to be certain, except death and taxes.” Although I don’t have any updates on the former, where taxes are concerned I do have news: As it does every year, the Internal Revenue Service announced 2013 cost-of-living adjustments to many of the amounts you and your employer can contribute toward your retirement accounts. These new limits mean most people will …Read More