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Retirement Planning & Insurance

By Robert Pagliarini on October 18, 2016

Most people begin insuring themselves when they marry or start a family. They buy coverage in response to two potential calamities – disability during their working years, and death. Somewhere between youth and death comes retirement, and in retirement, the role of insurance is often downplayed. Does a retired multimillionaire really need a life insurance…

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Social Security: What You Need To Know

By Robert Pagliarini on October 15, 2016

Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth #1: Social Security will go away before you do. The federal government has announced that Social Security may become insolvent between 2033 and 2037 if no action is…

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Planning Your Retirement Expenses

By Robert Pagliarini on September 27, 2016

Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present. Financially, that fact is worth remembering. Some of the costs you have paid regularly all these years may suddenly decrease or fade away. Others may increase. Will your insurance costs rise with age?…

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Should You Pay Off Your Mortgage Before You Retire?

By Robert Pagliarini on

Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done? In reality, things are not so cut…

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Credit Card Debt In Retirement

By Robert Pagliarini on September 21, 2016

$6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69. If you are newly retired or close to retiring, that figure may alarm you. It is more than twice the amount of Social Security’s maximum monthly income payment. Credit card use is surging,…

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Taking Advantage of Tax-Free Withdrawals in Retirement

By Robert Pagliarini on August 24, 2016

Will you receive tax-free money in retirement? Some retirees do. You should know about some of your options for tax-free retirement distributions, some of which are less publicized than others. Qualified distributions from Roth accounts are tax-free. If you own a Roth IRA or have a Roth retirement account at work, you can take a…

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How Can You Benefit From a Roth IRA?

By Robert Pagliarini on August 17, 2016

The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a fixture in many retirement planning strategies. The key argument for going Roth can be summed up in a sentence: Paying taxes on retirement contributions today is better than paying taxes on retirement savings tomorrow. Here is a closer look…

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Is Your Social Security Income Taxable?

By Robert Pagliarini on

Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since 1984. Social Security benefits became taxable above certain yearly income thresholds in that year. Frustratingly for retirees, these income thresholds have been…

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Retirement Planning: Getting Out Of Our Own Way

By Robert Pagliarini on August 3, 2016

Picture an 18-wheeler, its 4,000-cubic-foot cargo trailer filled to capacity with stacks of $100 bills. The driver shuts and locks the trailer, closing the door on roughly $10 billion. Now imagine that truck driving off to a landfill, where that $10 billion will be dumped, shredded and buried, rendered useless. As the day goes on,…

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Financial Planning Tips For Women

By Robert Pagliarini on August 2, 2016

No woman wants to end up impoverished, out of options, left to fend for herself on the streets. Only a tiny percentage of women from affluent households will experience this retirement nightmare, but that does not mean the risk should be dismissed. This is the financial circumstance you may fear more than any other. What…

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