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In One Year, Pandemic Forced Millions of Workers to Retire Early
October 20, 2021Working at 50+ From flight attendants to grocery store managers, older adults made the tough decision to end careers Retirement is supposed to be a [...]
Financial Health
October 13, 2021What Is Financial Health? Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to [...]
Why Financial Literacy Is So Important
October 8, 2021Few are prepared as financial decision-making grows more complex Many consumers have little understanding of finances, how credit works, and the [...]
Should COVID-19 Change Your Retirement Strategy?
October 3, 2021What to do now, as the pandemic surges yet again in the U.S. COVID-19 is once again raging throughout the U.S., and in much of the world it has never[...]
One-third of Americans plan to retire later due to Covid-19, study finds
September 23, 2021KEY POINTS The Covid-19 pandemic has hurt some Americans’ confidence that they can meet their retirement goal date on time. Among [...]
Here’s why our brains make it so hard to start saving for retirement
September 17, 2021Studying behavioral economics has taught me that our brains don’t make it easier for us to save. Psychology is often just as important in [...]
How much is capital gains tax? It depends on how long you held the asset and your income level
September 12, 2021If you earn money from the sale of a capital asset — your home, part of a business, stocks, or bonds, for example — that profit may be subject to [...]
What Will Long-Term Care Cost You?
September 4, 2021Most people over 65 will eventually need some form of paid care. Here are some ways to plan ahead. Many people are frightened of long-term care [...]
4 ways to save enough now to retire in 10 years
August 28, 2021If you want to retire in the next 10 years, lower your spending and increase your income. Paying off debt can give you more money to save and [...]
27 Tips for Saving Money After Retirement
August 21, 2021More people are retiring with less savings than they need to be comfortable. Much less. According to Northwestern Mutual, 21% of Americans have no [...]
When It's Time to Stop Saving for Retirement
August 16, 2021Going from saver to spender is mostly a matter of psychology It's Time to Wind Down You've done all the right things—financially speaking, at [...]
No matter what stage of life you’re in, one thing will always remain the same: You’re never too young — or too old — to save money. Using [...]
4 ways to save enough now to retire in 10 years
July 23, 2021If you want to retire in 10 years, it might be possible. But it'll require some work. Getting your finances in order now can help you meet your [...]
What Is an Annuity?
July 9, 2021Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed [...]
HOME SWEET HOME – AMERICANS WANT TO AGE IN PLACE
June 30, 2021IDENTIFY RETIREMENT STRATEGIES TO PUT IN PLACE NOW—LIKE ANNUITIES— TO LIVE RETIREMENT ON YOUR TERMS. As the pandemic [...]
HOW AN ANNUITY WORKS
June 28, 2021YOU MAY NOT BE FAMILIAR with annuities, but they have a rich history dating back to Ancient Rome. In fact, millions of Americans currently use [...]
Trend: More Americans now want to retire early
June 16, 2021Workers want to retire at 55, but are they positioned to successfully do so? The category of “pre-retirees” is being redefined as more than [...]
Like previous pandemics, COVID-19 has touched off profound changes for our societies, economies, workforces, and overall life models, not least of [...]
Retirement planning is a multistep process that evolves over time. To have a comfortable, secure—and fun—retirement, you need to build the [...]
How to Retire in 2021
May 20, 2021How to Retire in 2021 When you are ready to retire, there are certain basic things you should do before you leave the comfort and security of [...]
What Every Retirement Saver Needs to Know About 2021
May 13, 2021New rules for savers, beneficiaries and taxpayers Most people will miss 2020 about as much as they miss mosquito season. For many retirees and [...]
Financial lessons learned from COVID-19
May 7, 2021The pandemic may have hit your wallet hard. Here are some lessons we can learn from this unprecedented time. he reverberations of the COVID-19 [...]
How the pandemic has shaken up retirement
April 28, 2021Pandemic-related job losses forced many older Americans out of the workplace in the past year, perhaps permanently. But the COVID-19 crisis also seems[...]
Top 10 Retirement Tips For 2021
April 21, 2021For many Americans, retirement may look different in 2021 than it has in years past. The severe economic impact of the Covid-19 pandemic could push [...]
The How-Tos And Benefits Of A Minor Participating In 401(k)s
April 14, 2021The 401(k) has become the go-to retirement plan for many Americans and continues to gain traction. The flexibility, tax savings and scale of 401(k) [...]
Covid-19 Is Most Certainly A Retirement Story
April 9, 2021The Covid-19 recession, like all recessions, threatens the wealth and retirement security of millions of workers. Job loss prompts people to stop [...]
You now have an extra month to lower your tax bill with contributions to your individual retirement account (IRA). Just like last year, the IRS [...]
A year has come and gone since the beginning of the Covid-19 pandemic in the United States in March 2020, upending all of our lives. Hundreds of [...]
Benefits of Fixed Index Annuities
March 18, 2021See how the benefits of a fixed index annuity work together to keep retirement income planning on track. We look at six top fixed index annuity [...]
16 Retirement Numbers You Need to Know for a Secure Future
March 10, 2021Figuring out if you can retire securely can sometimes feel like the most complicated math problem ever. Just figuring out which retirement number to[...]
Times Have Changed: How To Save For Retirement Today
March 3, 2021his story is part of a series in support of America Saves Week 2021. Since 2007, this initiative has provided a call to action for U.S. consumers to [...]
6 Social Security Changes for 2021
February 25, 2021These changes in Social Security taxes and benefits take effect Jan. 1 Every October, the Social Security Administration (SSA) announces its annual [...]
How COVID-19 is Affecting 2021 Retirement Planning
February 17, 2021CORONAVIRUS Reactions to COVID-19 and the impact on consumer confidence is prompting many consumers to reassess their retirement and financial plans.[...]
Retirement Services
February 11, 2021FERS INFORMATION Eligibility is determined by your age and number of years of creditable service. In some cases, you must have reached [...]
How to Minimize Social Security Taxes
February 5, 2021Your Social Security benefit may be taxable. Try these strategies to reduce your tax bill in retirement. MOST WORKERS PAY INTO the Social [...]
Why you should look for other solutions first More than 4 of 10 jobs lost during the pandemic may never come back, the Becker Friedman Institute for [...]
Equity Growth and Asset Protection
January 21, 2021The author offers an introduction to how annuities can help. For investors, the last twenty years have been something of a roller coaster. The [...]
Top 10 Retirement Tips For 2021
January 14, 2021For many Americans, retirement may look different in 2021 than it has in years past. The severe economic impact of the Covid-19 pandemic could push [...]
How retirement planning needs to change in the new year
January 7, 2021Considering annuities, insurance, new investments and delaying Social Security? With all the changes 2020 brought and a new year around the corner, [...]
5 Things You Need to Know About Finances When Turning 65
December 31, 2020It's a pivotal age for retirement planning — even if you aren't ready to retire yet Gone are the days when most people retired at 65, received a [...]
2020 Year End Review of Recent Retirement Plan Changes
December 28, 2020Over the last year, both before and after the current pandemic, there have been multiple law changes that have impacted retirement plans and [...]
The special retirement plan rules of 2020: What you need to know as year comes to end
December 18, 2020The COVID-19 pandemic has upended just about everything this year, including retirement planning. Enough new rules governing Individual Retirement [...]
Marshmallows and Social Security
December 11, 2020Should US retirees delay claiming Social Security until age 70, even if they have to spend savings until then? The Center for Retirement Research at [...]
Benefits of Fixed Indexed Annuities
December 4, 2020Fixed indexed annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime [...]
9 Signs You Are Not Financially OK to Retire
November 25, 2020And one other reason to keep working Being ready to retire means more than being ready to stop waking up at 6:00 a.m. to put in long hours at a job [...]
Durable power of attorney is one of the most important and useful documents you will ever sign. It is also one of the most dangerous if it falls into [...]
Americans Feel Anxious About Their Retirement Savings Amid Pandemic
November 4, 2020Millions of Americans expect their efforts to save for retirement to be derailed, perhaps permanently, by the coronavirus pandemic. That’s the main [...]
5 retirement planning mistakes to avoid during COVID-19
October 28, 2020Don’t let the pandemic derail your plans for retirement These days, older workers and retirees are understandably concerned that their retirement [...]
Section 2202 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, provides for special distribution [...]
Despite uncertainty driven by COVID-19, Americans can look to the long term.
September 17, 2020As the Coronavirus has spread in communities around the country, Americans are becoming increasingly concerned about the impact of the virus on jobs, [...]
COVID-19 and retirement: Impact and policy responses
September 11, 2020COVID-19 has shaken America and the world, causing widespread social and economic upheaval. The most obvious and distressing cost is the tens of [...]
Coronavirus is creating retirement insecurity. These 10 steps can defuse the timebomb of an ageing population
September 3, 2020To redesign a retirement that builds the necessary financial resilience for longer lives, the World Economic Forum and Mercer have created a [...]
Lock It In
August 27, 2020Using Annuities to Cover Basic Living Expenses for Life The names and numbers may vary but the situation is all too common. Approaching retirement at[...]
Given the current economic scenario in the backdrop of the ongoing public health crises globally, investing your hard-earned money in a suitable [...]
Time Claims to Maximize Social Security Benefits
August 13, 2020Know your full retirement age, coordinate the timing of benefit claims with your spouse, and weigh the advantages of delaying your Social Security [...]
Older Adults Can Jumpstart the Covid-19 Economic Recovery
August 7, 2020Even in light of an all-consuming pandemic, there are some mega-trends that continue their powerful and profound impact on global society. One such [...]
How To Maintain Financial Health During COVID-19
July 30, 2020With COVID-19 making headlines around the world, it’s normal to feel uncertain about many aspects of life right now, including your [...]
KEY POINTS The economic downturn prompted by the coronavirus comes at a particularly bad time for older workers. New research takes a [...]
They face particular challenges brought on by Covid-19 — issues, experts say, that could lead to retirement earlier than planned. Dorian Mintzer [...]
Recovery is starting quickly as states reopen, but the journey gets bumpier from here, Kelly and fellow strategist David Lebovitz warn. There is [...]
Now that we’ve entered a bear market for the first time since 2009, many pre-retirees are likely asking questions about the impact on their [...]
My Retirement Plan Is You
June 25, 2020Americans without retirement savings are increasingly moving in with their millennial children. Sian-Pierre Regis, 35, is used to living with [...]
The economic gut punch of the COVID-19 pandemic is being felt by retirees. Even those who have savings and other resources now fear that the financial[...]
Right now, spending habits are changing, for better or worse. With unemployment at an all-time high and many people working from home, your budget [...]
The Washington Post spoke to six Americans who have come to the end of their work lives with no financial cushion, no nest egg. The coronavirus [...]
KEY POINTS About half of Americans retired earlier than they expected, according to a recent survey. Less control over your retirement [...]
As a licensed fiduciary for over 15 years and spending most of that time with retirees, I’ve heard the same desires and concerns repeatedly: They [...]
A Devastating Jobs Report For Older Workers
May 15, 2020“Jobs Friday” is usually a nerdy day for financial types and economists only. But everyone was watching the most recent jobs report. I had a big [...]
After 15 years of research, a psychologist says this ‘simple trick’ can help millennials retire faster
May 7, 2020By the time most of us reach retirement age, we feel as if we don’t have enough money to live the life we envisioned. Our feelings aren’t [...]
3 Ways COVID-19 May Hurt Your Retirement
April 30, 2020Here's how the ongoing crisis could wreck your long-term plans -- and what you can do to prevent that from happening. COVID-19 has turned the U.S. [...]
Concerned about market volatility? Here’s one way to protect your retirement savings.
April 23, 2020Now that we’ve entered a bear market for the first time since 2009, many pre-retirees are likely asking questions about the impact on their [...]
The COVID-19 pandemic could upend retirement planning, jeopardizing financial security for the next generation of retirees. Experience from the [...]
COVID-19 Stimulus Bill: 1 New Rule That Could Help Your Retirement Savings Last Longer
April 13, 2020This lesser-known rule could potentially save you a bundle of cash. Millions of Americans have been directly affected by the coronavirus pandemic, [...]
Here’s Why COVID-19 Is Your Retirement Fire Drill
April 7, 2020Dick has worked as a hospital administrator for 30-plus years. He was planning to retire in a few months. COVID-19 just delayed his plans for many [...]
Here’s Why COVID-19 Is Your Retirement Fire Drill
April 2, 2020Dick has worked as a hospital administrator for 30-plus years. He was planning to retire in a few months. COVID-19 just delayed his plans for many [...]
With all that is going on in the market with the Coronavirus, we have received many requests to give our opinion on how long it will take for a [...]
Everything these days seems to be about coronavirus, coronavirus, coronavirus. Especially when you have a family, these can be scary times. So, first[...]
Safety vs. Probability: Planning For Retirement
March 12, 2020As we progress through life, we find there are certain things we can control and others we cannot. However, even with the things we can’t control, [...]
Taking these steps before you begin claiming can ensure you're receiving as much money as possible. The majority of retirees will depend on their [...]
What Millennials, Gen X & Boomers Have In Common But Don’t Admit, Discuss, Nor Plan For
February 27, 2020Going through her mail, Kendra slices open an envelope from her preferred airline. Inside she finds a hefty gray card with her name etched on it. The [...]
7 Smart Money Moves for 2020
February 20, 2020New federal legislation made sweeping changes in retirement plans. Here's what you need to know. The new year has brought a number of changes in [...]
Is retirement good for health or bad for it?
February 13, 2020For many people, retirement is a key reward for decades of daily work—a time to relax, explore, and have fun unburdened by the daily grind. For [...]
Fixed vs. Fixed Indexed Annuities: What’s the Difference?
February 5, 2020Among the various kinds of annuities, which are contracts you sign with an insurance company to pay a premium for guaranteed income later, two of the[...]
Numbers that older workers and retirees need to know in 2020
January 31, 2020From retirement plans to health care, things are changing A new year and a new decade begin next week. Whether you’re retired or still working, [...]
Six Ways Social Security Will Be Changing In 2020
January 23, 2020Every day, 10,000 or so baby boomers are turning 65. Some of you have probably already retired. Many are likely counting the days until they can [...]
How to Retire in 2020
January 17, 2020WHEN YOU ARE READY TO retire, there are certain basic things you should do before you leave the comfort and security of your old job. You need to[...]
The Difference Between Annuities And Life Insurance
January 9, 2020Both annuities and life insurance should be considered in your long-term financial plan. While both include death benefits, you buy life insurance in [...]
6 Ways The SECURE Act May Impact Your Retirement
January 2, 2020The new Setting Every Community Up For Retirement Enhancement (SECURE) Act, just signed by President Trump, is the broadest piece of retirement [...]
Is A Fixed-Index Annuity Right For You?
December 26, 2019Retirement isn’t what it used to be. Today, not only are people working, traveling and living dynamic lives well past the previous generation’s [...]
Recap: What happened to the retirement landscape in 2019?
December 19, 2019As 2019 comes to an end, it’s worth taking a moment to reflect back on what took place in the retirement landscape during the past 12 months and how[...]
Retirement Plan Contribution Limits Will Increase in 2020
December 12, 2019The Internal Revenue Service announced on Wednesday, November 6, that several contribution limits in qualified retirement plans will increase next [...]
3 Ways You Can Lose Your Social Security Benefits
December 5, 2019You definitely want to avoid these at all costs. Millions of seniors today regard Social Security as a critical source of income. But if you're not[...]
Don’t Just Be Ready; Be Game Ready
November 29, 2019Everyone’s idea of the “perfect retirement” is different. Some of us plan to travel the world, while others hope to move to a new location, [...]
Changing Seasons in Retirement
November 21, 2019The holidays are just around the corner, meaning it’s almost time to prepare for parties, travel, gift-giving and more. But what’s good for the [...]
Is a Fixed Indexed Annuity Right for Me?
November 14, 2019Ensure you have the financial security to be in control of your retirement. Before determining if an FIA is right for your portfolio, [...]
A Retirement Expert Says Annuities Are Better Than Bonds for Guaranteed Income. Here's His Argument
November 12, 2019One of the biggest challenges in retirement is building a reliable stream of monthly income to support you for what could be a very long time. While [...]
U.S. News Unveils the 2020 Best Places to Retire
October 31, 2019Washington, D.C. – U.S. News & World Report, the global authority in rankings and consumer advice, today unveiled the 2020 Best Places [...]
Does your financial plan hold up to scrutiny?
October 25, 2019As National Financial Planning Month, October serves as a good opportunity for an annual check-up on your financial health to ensure you’re on track[...]
8 smart steps for buying life insurance
October 17, 2019How to find coverage that meets your needs and budget Life insurance can form a vital part of your family’s financial stability and well-being but,[...]
Retirement Calculators
October 11, 2019Are you on track for retirement? These customizable calculators will allow you to run different scenarios and discover how small adjustments could [...]
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