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How Much Retirement Income Do You Need

By Robert Pagliarini on March 7, 2016

A classic retirement planning rule states that you should retire on 80% of the income you earned in your last year of work. Is this old axiom still true, or does it need reconsidering? Some new research suggests that retirees may not need that much annual income to keep up their standard of living. The…

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Tips to Not Outlive Your Money

By Robert Pagliarini on March 1, 2016

“What is your greatest retirement fear?” If you ask retirees that question, “outliving my money” may likely be one of the top answers.  Retirees and pre-retirees alike share this anxiety. In a 2014 Wells Fargo/Gallup survey of more than 1,000 investors, 46% of respondents cited that very fear; 42% of the respondents to that poll…

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Retirement Plan

By Robert Pagliarini on February 23, 2016

Decades ago, retirement was fairly predictable: Social Security and a pension provided much of your income, you moved to the Sun Belt, played tennis or golf, and you lived to age 70 or 75. To varying degrees, this was the American retirement experience during the last few decades of the previous century. Those days are…

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Can You Buy Real Estate In Your IRA?

By Robert Pagliarini on January 29, 2016

You can invest your IRA assets in different ways. Should you invest a portion of those assets in real estate? At first thought, putting real estate into an IRA may seem like an off-the-wall idea. It is one you might want to consider, but you must be aware of the rules. The concept is not…

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Chapters of Retirement: The 5 Phases of Life After 50

By Robert Pagliarini on January 26, 2016

The journey to and through retirement occurs gradually, like successive chapters in a book. Each chapter has its own things to consider. Chapter 1 (the fifties). At this stage of life, retirement becomes less like a far-off dream and more like a forthcoming reality. You begin to think about when you can retire, and about…

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Retirement Planning for Women

By Robert Pagliarini on December 8, 2015

When it comes to retirement saving, many women lag behind many men. Historically, that has been the case. The 2015 edition of Financial Finesse’s annual survey, The Gender Gap in Financial Literacy, offers more evidence of the problem – along with a few encouraging signs that women may be catching up. (Financial Finesse is a…

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Pros & Cons of Roth IRA Conversions

By Robert Pagliarini on November 29, 2015

If you own a traditional IRA, perhaps you have thought about converting it to a Roth IRA. Going Roth makes sense for some traditional IRA owners, but not all. Why go Roth? There is an assumption behind every Roth IRA conversion – a belief that income tax rates will be higher in future years than…

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Social Security Strategies: Getting the Most Bang for Your Buck

By Robert Pagliarini on November 12, 2015

(This a guest post submitted by the CFP Board) Washington, D.C., November 12, 2015 – For many Americans, retirement is something to look forward to – a time to celebrate years of hard work, enjoy family and friends, and embark on new adventures. But filing for government retirement benefits can be daunting, and new Social…

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Retirement Plan Contribution Limits for 2016

By Robert Pagliarini on October 29, 2015

Over the past 12 months, consumer prices have increased very little. The latest Consumer Price Index (September) shows 0.0% yearly inflation and only 1.9% core yearly inflation. That means no cost-of-living adjustment for Social Security, and very few IRS adjustments to retirement plan contribution limits. Roth IRA & traditional IRA contribution limits stay the same…

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Dealing With Sudden Retirement: How Ready Are You?

By Robert Pagliarini on October 27, 2015

What if you are laid off or forced into retirement before 65, or even before 60? If that happens to you, what do you do in response now that the next phase of your life is starting sooner than you planned? As a first step, gauge where you stand financially. It could be that the…

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