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Articles in Retirement Planning

Whether you are 25 or 65, it's never too soon or too late to plan for a happy, financially-secure retirement.
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What age should retirement be planned to?

by Larry R Frank Sr Level 20
One of the big discussions in the profession is choosing the age retirement should be planned to. Should it be age 95? Age 100? Some other age? Here’s a good brief discussion on the implications of choosing an age: ...(more)
Comment   |  May 24, 2019 from Roseville, CA
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The Illusion of Steady Income?

by Larry R Frank Sr Level 20
  Most people have the illusion that they have steady income. This is another example of recency bias (as it relates to income in this post) where people have become accustomed to their current income and forget it ...(more)
Comment   |  Feb 26, 2019 from Roseville, CA
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Using the IRA/LLC Structure to Invest in Real Estate

by Andrew Martin Level 12
One of the more popular ways to use your self-directed IRA to invest in real estate is by using the IRA/LLC structure. A self-directed IRA requires using a custodian which is responsible for holding and administering ...(more)
Comment   |  Jan 21, 2019
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Invest in Real Estate within Your IRA

by Andrew Martin Level 12
Self-directed IRAs are a little known tool which allows you to invest in real estate (among other things) and get all of the tax benefits that an IRA gives you. There are several qualified retirement plans that you can ...(more)
Comment   |  Jan 21, 2019
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HSAs, One of the Best Ways to Save for Retirement

by Andrew Martin Level 12
Health Savings Accounts are perhaps one of the most underutilized retirement planning tools available. HSAs are arguably one of the most tax friendly ways to save for retirement since they offer a “triple tax benefit”. ...(more)
Comment   |  Jan 21, 2019
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What’s your plan for retiree dental care?

by Larry R Frank Sr Level 20
Most people believe Medicare covers dental – nope – Medicare does not! Some Medicare Advantage plans do (and some don’t – you need to check). Some retirees may have employer provided dental coverage. Check to see if ...(more)
Comment   |  Sep 20, 2018 from Roseville, CA
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Social Security gotchas with WEP and GPO Pensions

by Larry R Frank Sr Level 20
  Two big areas of confusion among people and advisors are the Windfall Elimination Provision(WEP) and the Government Pension Offset(GPO). Although they are often spoken in the same breath, they are really quite ...(more)
Comment   |  Jul 25, 2018 from Roseville, CA
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Dos and don’ts for income investors

by Vernon Coffey Sumnicht Level 14
This is a difficult environment for individuals living on a fixed income. The problem is trying to invest money safely while getting a reasonable return on an investment (ROI). Money market funds and CDs are barely even ...(more)
Comment   |  Jan 23, 2018 from Appleton, WI
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Dos and don’ts for fixed income investors

by Vernon Coffey Sumnicht Level 14
This is a difficult environment for individuals living on a fixed income. The problem is trying to invest money safely while getting a reasonable return on an investment (ROI). Money market funds and CDs are barely even ...(more)
Comment   |  Feb 12, 2018 from Appleton, WI
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Can you Afford to retire early?

by Richard Andrew Solt Level 12
Some people dream of retiring early. Are you one of them? If so, you’ll need to plan ahead – because a successful early retirement can’t be achieved through last-minute moves. So, if you’re determined to retire early, ...(more)
Comment   |  Nov 29, 2017
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Survivor Benefits for Widows or Widowers who are 60 to 70.

by Larry R Frank Sr Level 20
  One of the trickiest — and most critical — Social Security planning strategies applies to widows who are between the ages of 60 and 70. Once a widow becomes eligible for survivor benefits — as early as age 60 (50 ...(more)
Comment   |  Nov 15, 2017 from Roseville, CA
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401k Motivation: Overcoming Generational Hurdles

by Curtis Steven Farrell Level 17
While many financial wellness programs offer a “one size fits all” solution, it’s important to be mindful that different age groups have different needs, and it’s very likely your workforce represents a fairly wide ...(more)
Comment   |  Sep 21, 2017 from Mission Viejo, CA
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Our brains, as we age, and money

by Larry R Frank Sr Level 20
How well can we function at work as we grow older? Or continue to manage our money? Research that has looked at cross-sectionsas well as longitudinal groups of people have provided great insights to these ...(more)
Comment   |  Aug 09, 2017 from Roseville, CA
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What is the Best IRA for a Young Investor?

by Nicholas Joseph Scheibner Level 14
A 30-second read by Nicholas Scheibner:  Before deciding which kind of IRA to open, the first thing you would want to do is check with your employer about 401(k) offerings. If your employer provides any company match ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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New Jersey Public Employees – Things to know about your Retirement Income

by Nicholas Joseph Scheibner Level 14
As public employees for the great state of New Jersey, there are some important factors to consider when it comes to your retirement income. Regarding Your Pension: New Jersey Pensions fall into two categories: “I ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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What to do if you filed for Social Security and you changed your mind

by Nicholas Joseph Scheibner Level 14
(Est. Read Time: 40s) If you began taking Social Security before full-retirement age, and are looking to postpone payments until a later time, there is a solution: the 1-year payback rule. The 1-year payback rule ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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Did you think to remodel your home?

by Brent Leavitt, CFP® Level 11
  Did your retirement plan involve a home remodel? Or even a home remodel remodel? My mother-in-law spent about a decade taking care of her mother. Not only did she require lots of attention and care, but she also ...(more)
Comment   |  Jun 08, 2017
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5 Compelling Reasons to Have a Roth IRA

by W. David Kern, CFP® Level 14
You know the old adage – ‘there’s no time like the present’. This is a noteworthy saying that is particularly true for young individuals and families who want to start saving seriously for the future. But how and where ...(more)
Comment   |  Jun 06, 2017
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9 Things You Must Know Before Retiring

by Nathan Garcia, CFP® Level 16
  Before Retiring you'll need to know these 9 pieces of information to have a better retirement:  1) When to file for Social Security 2) How much your Health Care costs will be 3) How much you currently spend 4) ...(more)
Comment   |  Jun 02, 2017
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Keys

by Randy Brunson Level 18
  Two things to note first this week, which are taxes and politics.    First, the tax filing deadline for federal income taxes is April 18th.  Typically it would be Monday April 17th, since the 15th falls on ...(more)
Comment   |  Apr 20, 2017 from Suwanee, GA
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