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Planning Your Retirement Lifestyle For Your Golden Years

By Robert Pagliarini on July 27, 2016

How many words have been written about retirement? It’s a preoccupation for many, and we devote so much time, thought, and energy toward saving for the last day we go to work. Saving and investing in such a way that we no longer have to work may seem ideal at first, but it raises a…

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Asset Protection: Using Long-Term Care Insurance

By Robert Pagliarini on July 19, 2016

How will you pay for long-term care? At the moment, you may not be able to answer that question – but long-term care insurance can provide an answer for you.  Why are baby boomers opting to make long-term care coverage an important part of their retirement strategies? The reasons to get an LTC policy at…

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Retirement Planning If You Are Under 40

By Robert Pagliarini on July 13, 2016

You know you should start saving for retirement before you turn 40. What can you start doing today to make that effort more productive, to improve your chances of ending up with more retirement money, rather than less? Structure your budget with the future in mind. Live within your means and assign a portion of…

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Retirement Planning Challenges for Women

By Robert Pagliarini on June 21, 2016

A new study has raised eyebrows about the retirement prospects of women. It comes from the National Institute on Retirement Security, a non-profit, non-partisan research organization based in Washington, D.C. Studying 2012 U.S. Census data, NIRS found that women aged 65 and older had 26% less income than their male peers. Looking at Vanguard’s 2014…

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Red Flags in Retirement Planning

By Robert Pagliarini on June 1, 2016

We all have a “blue sky” vision of the way retirement should be, yet it helps to plan for retirement with a little pragmatism. Fate may alter the course of our retirement in ways we do not currently anticipate. So, as we plan for the next act of life, we may want to think about…

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Retirement Planning For Millennials

By Robert Pagliarini on May 4, 2016

If you are younger than 35, saving for retirement may not feel like a priority. After all, retirement may be 30 years away; if your employer does not sponsor a retirement plan, there may be less incentive for you to start. Even so, you must save and invest for retirement as soon as you can.…

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Does It Make Sense To Downsize In Retirement?

By Robert Pagliarini on April 20, 2016

You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and keep your home? Or sell your home and retire? Maybe it’s time to downsize. Lower housing expenses could put more cash in your pocket.…

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The Benefits of a Roth Conversion in a Down Market

By Robert Pagliarini on

Converting a traditional IRA to a Roth IRA is no easy decision. After all, it is a taxable event. When the stock market is down or sluggish, however, a Roth conversion has more appeal. Traditional IRA owners “go Roth” for some very good reasons. A Roth IRA can be a resource for tax-free retirement money.…

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Saving for College & Retirement

By Robert Pagliarini on

Saving for retirement is a must. Saving for college is certainly a priority. How do you do both at once? Saving for retirement should always come first. After all, retirees cannot apply for financial aid; college students can. That said, there are ways to try and accomplish both objectives within the big picture of your…

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Should You Max Out Your 401(k) Retirement Plan?

By Robert Pagliarini on March 29, 2016

Do you have a million dollars? At the moment, probably not. But if you invest and save diligently and let your assets compound, who knows? You may be a millionaire someday. In fact, you may need to be a millionaire someday. If you stay retired for twenty or thirty years, it could take well over…

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