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Adjusting to Retirement – Make the Transition to Life After Work

By Robert Pagliarini on August 16, 2014

If you have saved and invested consistently for retirement, you may find yourself ready to leave work on your terms – with abundant free time, new opportunities, and wonderful adventures ahead of you. The thing to keep in mind is that the reality of your retirement may not always correspond to your conception of retirement.…

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How the Thrift Savings Plan Measures Up to Traditional Retirement Savings Vehicles

By Robert Pagliarini on August 5, 2014

Federal workers and military personnel are offered a supplemental retirement savings plan to complement their pensions – the Thrift Savings Plan, or TSP. Just how well does it measure up to other forms of popular retirement accounts? Picture a 401(k) or 403(b) with five fund choices. In a nutshell, that is what the TSP resembles.…

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Getting Your Head Around Retirement

By Robert Pagliarini on July 28, 2014

What kind of retirement do you think you’ll have? An outstanding one? A depressing one? What if it all starts with your outlook? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? A whole field of study has emerged on the psychology of saving, spending and investing:…

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Rule Changes for Retirement Plan Fiduciaries

By Robert Pagliarini on

On July 1, 2012, the Department of Labor implemented some rules changes for ERISA-covered defined benefit and defined contribution pension plans. These changes were made to improve transparency. Covered service providers (CSPs) must fully describe services & fees. Financial advisors, financial consultants or third-party administrators who expect to receive $1,000 or more in direct or…

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Retirement Planning for Couples

By Robert Pagliarini on July 21, 2014

What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Commission currently projects an average retirement of 19 years for a man and 21 years for a woman (assuming retirement at age 65). So…

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Retirement Planning 2.0

By Robert Pagliarini on July 9, 2014

Questioning traditional assumptions about retirement planning can be illuminating. Some retirement planners and economists argue that they need to be reexamined. Does most retirement planning focus on the future at the expense of the present? One noted economist makes that case. Laurence Kotlikoff, the former White House economic advisor who writes for PBS NewsHour, contends…

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Protect Your Assets with LTC Insurance

By Robert Pagliarini on July 3, 2014

How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is available.  Many baby boomers are opting to make long term care coverage an important part of their retirement strategies. The reasons to get an LTC policy after age 50…

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Rising Interest Rates: How Will They Affect Investments, Housing & Retirees?

By Robert Pagliarini on May 29, 2014

How will Wall Street fare if interest rates climb back to historic norms? Rising interest rates could certainly impact investments, the real estate market and the overall economy – but their influence might not be as negative as some perceive. Why are rates rising? You can cite three factors. The Federal Reserve is gradually reducing…

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Health Care Expenses That Medicare Won’t Cover in Retirement

By Robert Pagliarini on May 10, 2014

As you save for retirement, you also recognize the possibility of having to pay major health care costs in the future. Is there some way to plan for these expenses years in advance? Just how great might those expenses be? There’s no rote answer, of course, but recent surveys from AARP and Fidelity Investments reveal…

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The IRS Announces New IRA Rollover Limitations

By Robert Pagliarini on April 26, 2014

What was once allowed is now prohibited. In 2008, an affluent New York City couple made a series of withdrawals and transfers among contributory IRAs, rollover IRAs and non-IRA investment accounts, all with the long-established 60-day deadline for tax-free IRA rollovers in mind. As esteemed tax attorney Alvan Bobrow and his wife withdrew and rolled…

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