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Planning Retirement

How You Can Use Annuities for Greater Tax Efficiency in Retirement

As an annuity owner, you take comfort in knowing that you have planned for an uninterrupted lifelong retirement income stream. Working alongside other income sources from your nest egg, it will pay out, like clockwork, to fund the retirement you have always imagined. But have you considered whether your income streams are as “efficient” as…

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These Lifetime Income Options Can Help You Reach More Financial Confidence

Today, Americans bear more financial responsibility for their retirement than ever. The days of receiving monthly pension checks are gradually fading. According to Willis Towers Watson, only 16% of Fortune 500 companies were offering pensions to new hires in 2017, down from 59% of firms in 1998. Defined-contribution plans like 401(k) accounts are taking their…

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How to Make Your Money Last in Retirement

With new swells of Americans turning 65 each day, it’s one of the most-pressing questions in financial planning: How can I make my money last in retirement? Today’s retirees aren’t just sitting back. As they live longer, they are delving into new opportunities with full steam. Second-act careers. Entrepreneurship. Volunteering for personal causes. Cross-country tours.…

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Survey: Advisors Anxious About What Might Lie Ahead for Clients

As 2019 begins, two new surveys suggest that both advisors and economists aren’t so optimistic about where the economy is headed. This kind of insight from industry experts is useful, but especially to those who are approaching retirement. Knowing what pundits and advisors believe could lie ahead, and exploring what action can be taken in…

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Good News! Retirement Concerns Appear to Decline with Age, But Planning Still Required

With age comes wisdom – and apparently the ability to better handle unexpected expenses, according to the Society of Actuaries (SOA). In their recent study, the SOA analyzed financial risk management across generations. Chief among their findings? That “the ability to handle unforeseen expenses increases with age, peaking with Early Boomers and then declining for the Silent…

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The Rich Person Roth: For The Most Tax-Free Retirement Income

Article by David Rae Forbes Contributor While the Trump Tax Plan was touted as a huge tax cut, many millions of Americans will still see their taxes go up in 2018. Residents of high-tax states like California, New York and New Jersey are the ones who will be mostly affected. Those individuals should be proactive and look…

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How Can Market Downturns Affect Your Retirement Income?

For skiing enthusiasts, the concept of ups-and-downs is quite exhilarating. Just the thought of cutting powder on tall, sloping moguls can make even the “hard cores” blush. But as recent market volatility reminds us, the goodwill doesn’t apply to ups-and-downs in every situation. Sometimes it can bring just the opposite. Earlier this month on Morningstar, Director of Personal…

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How To Use Life Insurance In Your Retirement Planning

POST WRITTEN BY Jacob Alphin Founder of Rillhurst Capital LLC, an independent wealth management firm serving the Washington DC metro area. Investing in the market without taking losses — is it too good to be true? Not according to the University of Michigan’s head coach Jim Harbaugh. In August, University of Michigan helped Harbaugh become the…

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