Monthly Archives September 2016

Worried About Outliving Your Money?

As we plan for retirement, we often focus upon a certain retirement goal or a target date to stop working. Most of our focus is on saving money for the future. Once you retire, however, the opposite will be true. Now it’s time to spend that money by taking distributions from your retirement fund to cover living expenses. It’s important to plan your distribution strategy carefully, so that you can make your money last for the rest of your life. In most cases, you can begin taking distributions from your retirement plan at age 59 ½, but you might still
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Is it Time to Play Catch-Up with Your Retirement Plan?

We all know that the optimal situation is to establish a retirement account at the beginning of your career and contribute to it consistently for 3-4 decades until you retire. In reality, however, many people neglect to even think about retirement until they are 40, 45, or even older. It’s also common for people to use retirement funds for life’s emergency situations, resulting in the need to “start over” later in life. Either way, if you need to play catch-up with your retirement plan, the following four steps can help you get back on the right track toward a secure
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Don’t Make These Life Insurance Mistakes!

It’s not a home purchase, but it’s just as important. Choosing a life insurance policy is one of the biggest financial decisions you will make. As you consider different policies to protect the ones you love, remember to avoid these common mistakes. You want your policy to be valid and effective in the unfortunate event that a loved one has to file a claim. Don’t make assumptions. Most people tend to estimate the cost of life insurance at about three times its actual price! Rather than assuming you can’t afford a good policy, let us give you an estimate so
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Is Your Retirement Plan Safe?

You naturally want to make sure you establish a dependable stream of income for retirement, and you have hopefully taken the length of your retirement into account. Most of your big retirement planning hurdles are now behind you, but there is one more concern that you should address: Is your retirement plan safe? As we age, we can become prone to forgetfulness, simple mistakes, or even a con artist’s scheming. These fates can befall older people before they are even aware of what is happening. Consider these steps to secure your retirement income now and in the future. Designate a
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