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Blog Your guide to financial planning and retirement
You spend your life working and saving, but in retirement everything turns upside down as you transition to a life of leisure and need to turn those savings into reliable retirement income.
There are different ways of determining how much retirement income you will need and many different strategies for securing that income.
Your retirement income may come from a mix of savings withdrawals, Social Security, pensions, passive income, annuities, retirement jobs, and more.
How are you going to pay for retirement? How is everyone else doing it? What is the average retirement income for 2021? Has it changed a lot from past years with the pandemic? Are you anywhere close to average? 2020 was a devastating year for the finances of many households. And surprisingly, it was also […]
The 50th Boldin podcast! This time, Steve Chen is joined by guest Dana Anspach — Certified Financial Planner™, author, and the founder of Sensible Money — and discusses her practice and approach to retirement income planning. Listen Now: Don’t miss out on future episodes: subscribe on iTunes subscribe on Stitcher And, join our private Facebook […]
You may have seen the news: Interest rates in the United States are at historic lows. That sounds great. But is it really? What are the effects of low interest rates on your retirement? Read on to see the pros and cons of low interest rates on your retirement plan. And, how to make the […]
Retirement tax planning is a critical part of preparing for a secure future. The good news is that with so many possible retirement income sources, you have many different opportunities to potentially reduce your tax burden. And, you may even discover that reducing taxes can enable you to retire a little earlier than you might […]
Retirement withdrawals strategy becomes important to consider as you age. You’ve spent your entire working career saving and investing for retirement. Now it’s time to develop a retirement withdrawals strategy. When switching from accumulating to withdrawing, it’s important to come up with a strategy that ensures that your savings are going to last for your […]
Regardless of where you are in life, it’s always nice to make some extra money. And that is especially true in retirement. But, how to make money in retirement when you’re supposed to be simply enjoying the easy life? The retirement gigs listed below won’t be quite enough to cover retirement expenses, but they won’t […]
A retirement target-date fund is a professionally-managed mutual fund that is strategically reallocated over time to achieve both growth and security for your assets. The key goal for a target-date fund is that your money will be available for withdrawal on a targeted retirement date in the future. When you invest in a target-date fund, […]
If you’re reading this, you’re likely someone who: saves money, has built up some assets, and is starting to think about how to create a retirement drawdown strategy – a plan for how to turn your assets into income that will last for life. Having a sound retirement drawdown strategy and keeping to it is […]
The term “fixed income” can be confusing. Many adults of all ages have a reasonably steady income, whether from a salaried work position or dependable work at an hourly job. But a fixed income, at least as it applies to budgeting and investing for retirement, is something different. A fixed retirement income might sound great […]
“The most important thing you can do for your retirement is have a plan, specifically a retirement income plan. A plan covers far more than what investments to pick. Investments are the last part of the plan; the icing on the cake. They should come only after you have the main meal menu in place, […]
A very common question from pension recipients is: “Our employer gives us a choice of either a pension or a lump sum when we retire. What is the better choice for me?” Choosing the Pension Option How is the Pension Being Funded? Your pension may be an annuity purchased from an insurance company by your […]
Episode 41 of the Boldin podcast is an interview with Glen Nakamoto — retired cyber security analyst and financial planning enthusiast. They discuss how Glen built his own lifetime retirement paycheck with a guaranteed income floor using immediate annuities. Glen outlines how he built his plan and paycheck. Listen Now: Don’t miss out on future […]
Everyone wants to know how much is enough. Here are 10 ways to find out how much savings or income is needed for happiness.
Retirement is a big deal and a huge life change. You have a whole new lifestyle and need a very different way of thinking about your money. In fact, your financial mindset needs to get flipped upside down. You need to go from a focus on accumulation (saving, saving, saving) to spending (efficient use and […]
Earlier this week I traveled to Chicago to attend the Retirement Income Summit — a financial advisor industry conference focused on the latest ideas about how to improve and secure retirement income. I saw presentations, met up with insiders in the financial services industry and found a few ideas to help you have a better […]
Whether retirement means kicking up your feet, pursuing a new career or enjoying a favorite hobby, there’s one looming concern most Americans share: running out of money. A study from Allianz Life Insurance found that most Americans fear running out of money in retirement more than they fear death. Sixty-one percent of all respondents said […]
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