Seven Reasons Your Retirement Might Fail
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“In 34 years as a financial advisor, he has seen many people flunk retirement, but investment performance has never been the cause.”

Financial Advisors’ New Patron Saint Just Cut From the Detroit Lions
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When Ryan Broyles scored a $3.6 million dollar contract after being drafted in the first round he did something quite rare – he sought as much advice as he could find.

Mailbag: Is Funding My 401(k) Match Sufficient to Fund My Retirement?
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At age 25, getting your 401(k) match funds 64.2% of your retirement.

Today’s 20-year Olds Will Need Over $7 Million For Modest Retirement Lifestyle
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Most young people don’t understand inflation as well as their parents and grandparents.

Make Sure Clients Road-Test Retirement
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“Ascertain whether they’re ready for changes in lifestyle and finances for the next stage of their lives”

At Least 65% Of Workers Fail To Save Our Recommended 15% For Retirement
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The study shows that 21 percent have saved nothing for retirement.

Develop A Network Of Friends In Retirement
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Having community is important for a successful retirement. Men may find it requires more work to achieve.

10 Best Places to Retire Abroad
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If you like stable governments, low crime rates, socializing, great food, wine, culture and the dependability of developed countries, this list is for you

How Manipulations to the CPI Affect Your Retirement Planning
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Retirees must plan to supplement this slowly dwindling paycheck or risk having to make hard sacrifices during what is supposed to be their golden years.

Greenspan, Friedman, Keynes and Lenin All Agree on Inflation
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“The way to crush the bourgeoisie is to grind them between the millstones of taxation and inflation.” – Vladimir Lenin.

Securing Your Retirement or Working During Your Retirement
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Securing your retirement financially is too important to leave the process up to chance and guessing.

Three Reasons Husbands Should Delay Taking Social Security Until Age 69 or 70
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Most married men claim Social Security at age 62 or 63, which leaves their future income well shy of what research indicates is optimal. Gentlemen, it’s time to wise up.

Social Security goes fully paperless
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You should claim your own Social Security account online and give it a secure password before someone else does.

Financially Savvy Kittens on Retirement in Retirement Planning
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This kitten knows her retirement number. Be more like this kitten.

Financially Savvy Kittens on Retirement Planning
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This kitten knows how to retire. Be more like this kitten.

Live Long and Prosper
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It’s not just Mister Spock who is living a long life. Japanese Jiroemon Kimura’s nearly 116 years, making him the oldest man in modern recorded history, is a reminder to have a retirement income plan that will last over the long haul.

Saving, Budgeting, and Preparing for Christmas – Wealth Management Carnival #7
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This week’s carnival is a smorgasbord of good ideas about saving, tips for holiday shopping, and general good advice for the future. Even Santa could use good advice about his retirement plan.

Threats to a fulfilling retirement
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“Inflation and loss of capital pose dangers to retirees seeking a sustainable income stream.”

Success and Significance in Retirement
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Most Americans fail to plan adequately for retirement. As a result, they often miss out on opportunities to enjoy the second half of life.

Contributing to Multiple Retirement Plans ($ ?s)
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This article reviews the coordination rules which govern the maximum contributions to 457, 401(k) and Thrift Savings Plan. Information on 403(b) plan maximums is also included.

Social Security: Henry VIII’s Family Benefits
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Me: King Henry, let’s start off with this question: Are you now or have you ever been married?

Henry VIII: Yes (with a smirk).

Retirement – Wealth Management Carnival #5
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This week’s carnival deals with retirement plans and plans to retire. We hear some talk about retirement accounts, a blueprint for retiring early, and that baby boomers are going back to work.

New 401(k) and IRA Limits for 2013
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It’s time to consider adjusting your retirement savings. The Internal Revenue Service recently issued a variety of inflation adjustments for 2013, and retirement savers can now save even more.

Social Security: Reviewing Spousal Benefits with Martha Jefferson
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Q: My husband Thomas is four years older than me and plans to delay filing for his larger Social Security benefit until age 70 when he will receive $2,600 a month. My personal benefit starts at $600 beginning at age … Read More

Tax Free $$ for Life (And We’re Not Selling Life Insurance)
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You are invited to a NAPFA Consumer Education Foundation event at 5:30pm on Thursday Oct. 18th at the Charlottesville Senior Center.

Suddenly Wealthy
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Studies show that onetime windfalls can actually impoverish you. They make you feel rich, which inevitably leads to overspending. But wealth is what you save, not what you spend.

$ ?s: Can Social Security Checks Be Mailed To Foreign Soil?
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It is estimated that as many as 40,000 American citizens reside in Costa Rica, and many are retirees who are stretching the purchasing power of their Social Security paychecks.

$ ?s: 72(t) and other Early Retirement Distribution Options
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There is a separate set of rules for those under age 55 or who are looking to distribute from an IRA. These rules focus on an exception called Substantially Equal Periodic Payments (SEPPs).

Smart Tax Planning for the Gap Years
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Many families seek financial planning advice specifically for retirement. But if they wait too long, they miss an important tax-planning opportunity. A great strategy is to take advantage of the time between retirement and Social Security at age 70, the so-called gap years.

Doctors need financial planning help, too…
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How is the ‘financial health’ of most physicians? Most physicians put in long hours and due to lack of time neglect their own financial and retirement planning.

Our grandparents would say ‘Duh!’
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“In this [new investment reality] environment, near-term inflation is not likely to be much of a concern. The challenge will be to adapt to possible lower total portfolio returns. “

Radio: Social Security
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David John Marotta and Matthew Illian were interviewed on radio 1070 WINA’s Schilling Show discussing Social Security and how to get the most from filing at the right time.

Stress Is Not Your Enemy
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How often do you intentionally push yourself to discomfort? Do you think the best retirement is relaxing and recreating? Think again.

Social Security Time Machine Opens Door for Retroactive Benefits
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I highlight several options, often overlooked, to claim retroactive Social Security benefits. Some retirees will find it beneficial to turn back the clock in order to receive large one-time checks when they first file.

Three Questions to Ask Before Establishing a New Company Retirement Plan
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Here are three questions that every small business owner should answer before establishing a new retirement plan.

Aiming For Advisors
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I read a number of articles touting the growth and “advantages” of annuities. Personally, I’ve never met an annuity I liked.

Mailbag: I’d like to withdraw money from my IRA to purchase physical silver.
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Precious metals will, on average, just keep up with inflation, but your after tax return would mean you fell behind inflation by the 28% tax you must pay.

$ ?s: Roth or Pre-Tax 401(k)?
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Here is the only question you should attempt to answer: Are you paying a higher tax rate now or later?

Mailbag: How should I invest a Roth IRA that my children will inherit?
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Should it be invested aggressively, like 100% equities, or use the same split as my taxable investments, such as 50-50 stocks vs bonds?

Social Security Planning from the 2012 January / February issue of Planning Perspectives
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“Deciding when to take Social Security benefits is critically important to maximizing long-term benefits. Benefits may be claimed as early as age 62, or as late as 70.”

Tax Planning from the 2012 January / February issue of Planning Perspectives
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“How can you respond if these new taxes are enacted? One option is to do a Roth conversion so that you can pay taxes now for those retirement funds.”

Women are more afraid of becoming “bag ladies” than men
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Women are more afraid of becoming “bag ladies” than men, and it makes them approach investing and saving for retirement differently, assuming they have managed to tackle either of those chores.

Roth 401(k) vs. Roth IRA (A guide for the perplexed)
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A Roth provides more flexibility than its Roth 401(k) counterpart because you can access the principal at any time without penalty.

$ ?s: Investment advice for those who don’t need the money
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Q: I am a 65-year-old retired widow and I have a large IRA. How should I invest if I don’t need this money?

$ ?s: Timing Social Security for a Spouse
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Q: I was told that I would not be able to apply for spousal social security until my husband qualifies for social security. Should I keep working so I can collect my small social security payment or should I just wait for spousal payments at age 73?

$ ?s: Accessing 401(k) funds when disaster strikes
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Q:What advice can you offer for how to go about accessing retirement funds after a hardship?

Seven Financial Resolutions for the New Year 2011-2012
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Financial resolutions usually don’t even last until the end of January. Making a permanent change in our behavior requires both time and a steely resolve. We can only develop financial character one action at a time. Here are seven practices to take you from pauper to prince or princess if you add one each year.

Investing Mostly in Bonds Means a Lower Lifestyle in Retirement
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In the midst of this turmoil, especially after this past summer’s sharp drop, many investors wonder if they should put all of their investments into something safe and avoid the markets altogether.

$ ?s: Am I on Track to Retire at 65?
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I’m turning 45 this year and the reality is hitting me that I am now about halfway through my working career. Am I on track to retire at age 65?

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