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Generating enough income to live comfortably during retirement is one of the biggest challenges that every American may face later in life. The Insured Retirement Institute (IRI) reports on the top-five retirement income sources. They found that Social Security tops their list. In fact, research shows that 65% of Americans age 65 and older receive […]
September 3, 2014
Should you buy an annuity? Investing your capital and planning for retirement are important practices, but there are a ton of options out there for how and where to park your money to realize potential growth in the future. Simply put, an annuity is a contract between you and an insurance company. You essentially give […]
Mapping your path to a comfortable retirement calls for personalization. At its best, financial planning for this life phase should resemble a shopping trip: you decide your priorities, set your budget, then make selections from an array of offerings based on your needs. As with hitting the stores, tastes and desires in planning for retirement […]
It is not like you don’t WANT to plan for retirement, right? There are real reasons that make planning for retirement difficult. Taking the first step toward retirement planning might seem like pursuing a major lifestyle change — it sounds intimidating, and you may not know where to start. But there are easy first steps […]
Veterans and service-members approaching retirement age may need to take a slightly different strategy to financial planning relative to their civilian counterparts, factoring in time spent in the service, pensions, and other available benefits. Career military servicemembers who serve 20 or more years are eligible for a pension that includes annual cost of living adjustments […]
You have probably read and reread that you should delay the start of your Social Security benefits until at least your full retirement date (typically around age 66 if you are retiring soon). This advice is probably good for most people because delaying the start of benefits increases your monthly Social Security checks for your […]
Nearly three-quarters of grandparents think it’s important to help their grandchildren pay for college, according to research from Fidelity Investments, but the ability to financially contribute to college education requires planning ahead. Many grandparents value college education and believe it’s an important component for providing young people with the best opportunity to succeed, indicates Fidelity’s […]
It’s a well-known fact that a small percentage of people control the majority of wealth in the United States. But all investors can take cues from high net worth individuals when it comes to investment and money management. Here are four ways to invest like the wealthy and hopefully get richer in the process: 1. […]
Over the past few months, the federally-insured reverse mortgage program has seen a lot of changes—including the introduction of new, consumer-friendly loan products like the HECM MAX5. The Home Equity Conversion Mortgage (HECM) program allows borrowers age 62 and older to access the equity they’ve built up in their homes in the form of a non-recourse […]
Interest rates have fallen and that means that most reverse mortgage borrowers now qualify for more money. (And, you pay less in interest.) Get a new estimate of your reverse mortgage loan amount right now! All the great benefits of the loans still apply: 1. You still own your home: A reverse mortgage is just […]
A reverse mortgage is a loan. You are borrowing against your home equity. However, unlike traditional mortgages, with a reverse mortgage you do not have to pay back the money borrowed as long as you are living in the home. If a reverse mortgage is right for you, it can offer great financial relief. Reverse Mortgage […]
The devastation in Oklahoma from the massive tornados is overwhelming. It is a human tragedy with entire neighborhoods flattened. Catastrophes like this serve as an important reminder to make sure you have the proper preparations in place should a natural disaster strike your home. Evacuations plans, emergency supplies and communication protocols are important. Equally important […]
“When it comes to caring for your aging parents, do you ever feel like your siblings are putting too much of the responsibility on your shoulders? Whether it’s day-to-day care tasks or paying the bills, if the division of labor is making you angry, it’s time to take action. Find out what the experts advise.” […]
Updated May 2025
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