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.

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.

How Much Should I Have Saved Toward Retirement?
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Measuring progress regularly on the path toward retirement is critical. Fall too far behind, and you risk not being able to save enough to catch up. There is no downside to arriving early.

How Much Should I Save Toward Retirement If I’m Starting Late?
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Knowing how much you should save for retirement is critical. But what if you are late getting started? The longer you delay, the shorter the time that compound interest can do its magic on your savings.

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.

How Much Should I Save for Retirement?
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You should save 15% of your take-home pay for retirement over your working career. As your situation varies, you must adjust your safe savings rate.

$ ?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.

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. “

Fund a Teenager’s Million-Dollar Retirement
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We teach teenagers a lot more about sexuality than we do about money. This can confuse them about what they should be learning. Give this article to a teenager and encourage him or her to start a Roth IRA.

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.

Social Security Time Machine Opens Door for Retroactive Benefits
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There are several options 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.

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.”

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.

Stop Saving
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It is better that you stop saving and use that money to do some of the things you’ve been longing to do, than it is to quit your job and retire early because you think that is the only way you can achieve your goals.

$ ?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.

$ ?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?

Mailbag: Which of These 401(k) Investment Choices Do You Recommend?
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I’m in my 20s and I’m just getting started in the working world. Which of the attached 401(k) investment choices do you recommend?

Mailbag: Which Investments Should I Fund First?
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I’m in my 20s and I’m just getting started in the working world. I would love to start funding my Roth and 401(k), but I have no idea where to begin!

$ ?s: Divorced Spouse Social Security Benefits
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Q: My husband and I divorced several years ago, and I am about to turn 62 in December. Since my ex-husband (he’s a year older) and I parted ways, we don’t talk. Can you please explain the Social Security benefits due to a divorced spouse?

Retirement Plans’ Perilous Future
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Between threats of cutting tax benefits and crackdowns on non-compliant plans, for the retirement industry ‘stakes are higher than they ever were’

The GAO Makes A Poor Financial Advisor
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If the GAO were giving you investment advice they would suggest that you not participate in your 401(k) and convert at least half of your retirement savings into an annuity laden with fees and expenses.

The Wealth Blueprint for Financial Success
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I was asked to speak at the Leadership Development Center at the University of Virginia’s EAN Annual Conference on Thursday, August 4th 2001. I’ve collected links to all the resources I mentioned in that talk here in one place.

Debt Talks Target Cost Of Living – Social Security Falls Further Behind
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To solve the deficit reduction riddle, Obama reportedly is embracing an idea that purports to raise tax revenue without a tax hike and claims to cut Social Security outlays without cutting benefits. Better check your wallet.

How To Cut Taxes On Your IRA Withdrawals
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This article from Donald Jay Korn for Investor’s Business Daily describes the benefits of advance tax planning to reduce the tax bite that is inevitable as you grow older and required minimum distributions (RMDs) become a larger portion of your retirement account.

Assessing Your Finances At Age 50
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For many people 50 is a milestone that reminds us to stop and reevaluate. There is still time for a whole new life of significance.

Regular Adjustments Maximize Retirement Success
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Retirement planning consists of a wild scatter plot of potential projections. Navigating successfully through possible outcomes requires regular corrections and adjustments.

Video: Financial New Years Resolutions
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Few of us are disciplined enough to accomplish all our resolutions without help.

Video: Retirement Wisdom – Plan Ahead
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Most families have not planned for their retirement. They may save toward their retirement, but without a plan their saving is random and haphazard. Retirement decisions today can only be made in the context of accurate math projections that span … Read More

Women Have Unique Financial Needs
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Retirement planning is even more crucial for women than for men.

Radio: Retirement, Are You Ready?
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David Marotta discusses retirement and how to avoid several common pitfalls in planning for the last 30 years of your life.

Taking Early Retirement Withdrawals
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Eight exceptions to the age 59.5 rule allow for penalty-free withdrawals.

What the Rich Know and the Poor Do Not
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How much should I save this month? What return did I earn last year?

Roth IRA vs. the Traditional IRA
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Historically income taxes have not been this low since 1931.

VRS: A Bird in Hand or Two in the Bush?
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Many people in this situation would choose the quick cash.

Creating A Ladder for Retirement Income
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Like the iron rods in sailing ships, bonds keep your portfolio upright in stormy weather.

Fifty+ Retirement Investing – Part 3
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We are gradually becoming our grandparents.

Fifty+ Retirement Products – Part 2
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Marketing promises and good friends often cloud the facts.

Fifty+ Retirement Planning – Part 1
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Many people are afraid of having their retirement progress assessed.

Look Over Your Tax Return
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Decreasing your standard of living is the quickest path toward retirement.

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