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Retirement Planning For Singles

By Robert Pagliarini on September 27, 2015

How does retirement planning differ for single people? At a glance, there would seem to be no difference in the retirement saving effort of an individual versus the retirement saving effort of a couple: start early, save consistently, and use vehicles that allow tax-advantaged growth and compounding of invested assets. On closer inspection, differences do…

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Saving For Retirement

By Robert Pagliarini on July 7, 2015

If life has not allowed you to build substantial retirement savings, what can you do to improve your retirement prospects? Here are some suggestions. Play catch-up. If at all possible, take advantage of the catch-up contributions the IRS allows you to make to IRAs and other retirement accounts starting in the year in which you…

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Why You Should Never Take a Loan from Your Retirement Plan

By Robert Pagliarini on June 30, 2015

Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these loans are not only risky but injurious to your retirement planning.    A loan of this kind damages your retirement savings prospects. A 401(k), 403(b), or 457 should never be viewed like a savings or checking account. When…

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Long-Term Investment Truths: Key Lessons for Retirement Savers

By Robert Pagliarini on June 8, 2015

You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others you glean along the way.     First & foremost, you learn to shut out much of the “noise.” News outlets take the temperature of global markets five days…

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IRA Rollovers for Lump Sum Pension Payouts

By Robert Pagliarini on May 21, 2015

A big payout leads to a big question. If you are taking a lump sum pension payout from your former employer, what is the next step for that money? It will be integral to your retirement; how can you make it work harder for you? Rolling it over might be the right thing to do.…

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Retirement Planning First Steps

By Robert Pagliarini on

Before retirement begins, gather what you need. Put as much documentation as you can in one place, for you and those you love. It could be a password-protected online vault; it could be a file cabinet; it could be a file folder. Regardless of what it is, by centralizing the location of important papers you…

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What To Do If You Are Retiring In The Next 5 Years

By Robert Pagliarini on May 12, 2015

You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. How much monthly income will you need? Look at your monthly expenses and add them up. (Consider also the trips, adventures…

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What You Need To Know About Target-Date Funds

By Robert Pagliarini on April 23, 2015

Do target-date funds represent smart choices, or just convenient ones? These funds have become ubiquitous in employer-sponsored retirement plans and their popularity has soared in the past decade. According to Morningstar, net inflows into target-date funds tripled during 2007-13. Asset management analysts Cerulli Associates project that 63% of all 401(k) contributions will be directed into…

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Why You Need to Check Up on Your Retirement Strategy

By Robert Pagliarini on April 18, 2015

Motivational speaker Denis Waitley once remarked, “You must stick to your conviction, but be ready to abandon your assumptions.” That statement certainly applies to retirement planning. Your effort must not waver, yet you must also examine it from time to time. For example, the level of risk you chose to tolerate at 35 or 40…

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The Basics of Medicare

By Robert Pagliarini on April 11, 2015

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare. America created a national health insurance program for seniors in 1965 with two components. Part A is hospital insurance. It provides coverage…

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