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Your retirement plan is a roadmap to your future, but like all plans, it is likely to evolve and change over time.
The economy will not behave exactly as you have anticipated and your own life and goals will also change over time.
And, the best retirement planning goes way beyond your savings and investments. Numerous other factors like Social Security, when you stop work, your longevity, home equity, debt, taxes, income sources, inflation, spending, healthcare costs, lifestyle choices, and more may actually represent greater value or be more important than your savings with regards to your overall financial wellness.
The average retirement income is probably a lot less than you think. As surprising as it might sound, the average American’s retirement income is barely over $1,500 per month or about $18,000 annually, according to the Pension Rights Center. Retirement Income Does Not Grow on Trees… Depending on where you live, that might not even […]
There’s no single way to go about planning for retirement. That’s not just true from person to person. It also changes dramatically as you age. Good retirement strategies for you at 25 aren’t the same as when you’re 40 or 60 years old. In fact, retirement planning will look a lot different, and it should. […]
The retirement calculator is an excellent retirement planning tool because it makes it easier for people to get a more accurate picture of what their financial needs will be in retirement. But this free tool can only help you plan for retirement if you actually incorporate what you learn into your own retirement planning. Below, […]
Early retirement isn’t an unattainable dream. It’s what you want out of life now and in retirement that determines when you can retire. An early retirement is not the easiest thing you’ll do, but the best things in life usually aren’t. Use an early retirement calculator to find out if you have what it takes […]
The more you read, the more you know, and the more you read about retirement planning, financial planning and personal finance the better off you’ll be. You could do a quick Google search and unearth more financial planning blogs geared toward retirement than you could shake a stick at. But financial advice is fairly sensitive, […]
Not everyone has a million-dollar investment portfolio that one day will turn into retirement income. For most people, retirement isn’t filled with world travel or wining and dining. It’s just another phase of life, and one that takes careful budgeting. For those of more modest means, retirement might seem scary. When you think about the […]
There is no shortage of retirement income advice. And, anyone can make a prediction about how much you will need for a secure retirement. Much of this guidance is based on sentiments that have more or less stayed the same for at least a few generations. But what if that advice is wrong? It might […]
No matter how much retirement planning you do, you cannot know whether your plan will work for you until you put it into action. Much like test-driving a car or trying on a shirt before you buy it, testing out your retirement plan to see if it fits can be a great way to see […]
Are you worried about outliving your money? Join the club. This is one of Americans’ biggest retirement fears. More than half (57%) of CPA financial planners cited running out of money as the top concern for their clients, according to the American Institute of CPAs (AICPA) Personal Financial Planning (PFP) Trend Survey. The 2015 survey […]
Preparing for retirement can be a daunting task, so it helps to know what advice the best financial advisors have to offer. Here is retirement planning advice from 10 of the best-known personal finance experts. Suze Orman: Prepare for the Emotional Aspects of Retirement Suze Orman suggests that at least part of the decision about […]
Retirement for Baby Boomers and subsequent generations will look much different than it did for our parents and grandparents. Due to lifestyle changes and advances in medicine, Baby Boomers have a much longer life expectancy than previous generations. In fact, it’s increased more than six years since 1980, says Marc Des Rosiers, fellow of the […]
A lot of retirement advice skews toward married couples, but what about those who are single? Many retirees today are divorced, widowed or never married. This means they are doing their planning for one, instead of for two, and that they’re relying on their own sources of retirement income, rather than those of a spouse. […]
Saving $2,000 per year towards retirement starting at age 25 instead of age 35 will yield an additional $315,000 at retirement, assuming an 8 percent annual rate of growth. If you or a young adult in your life need any convincing that putting money into retirement savings should be made a priority, Bobby Lee, founder […]
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 […]
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