Retirement

Exclusive vs Inclusive Investing

There are many different approaches to investing in the stock market, but most fall under two categories: exclusive and inclusive. Exclusive means conducting thorough research on prospective companies and investing in a portfolio of select, thoroughly vetted securities. One of the advantages of this approach is that if an investor’s research pans out, he could…

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Saving Money In Retirement

Today, nearly half of U.S. households report having zero retirement savings, according to the Economic Policy Institute. This means that without significant changes in wages, expenses and saving habits, millions of Americans likely will be living solely on Social Security benefits in retirement. Even if you expect to have a bit more in savings, with…

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A New Trend in Retirement Communities: Co-housing

If you live in Florida or Arizona, you’re probably familiar with the concept of age 55-plus communities. They’ve been popular with retirees for several decades now, particularly among “snowbirds” who lived up north most of their life and then relocated to southern climes once they retired. Now there’s a new iteration of retirement communities: It’s…

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How Does Your Spending Compare With Other Retirees?

How Does Your Spending Compare With Other Retirees? No matter how well we plan, it’s not uncommon to get hit with surprises, particularly when it comes to retirement income planning. On average, two-thirds of retiree income is spent on basic living, health and long-term care expenses. According to a recent study by LIMRA Secure Retirement…

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Best Places to Live in Retirement

Many retirees believe the best place to live in retirement is right in their own home. Let’s explore some of the “best places” where that home might be located and what it might look like. It’s worth noting that the retirement experience varies widely. Some people have the money to relocate or buy a second…

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Retirement Conversations: What Do You Do?

We spend a lifetime working, building a career, raising a family, etc. Then we retire, and some unsuspecting acquaintance asks, “What do you do?” It’s a whole new ballgame now. This can be a difficult question for new retirees. Our gut instinct is to identify ourselves by our occupations — “I’m a lawyer,” I’m an…

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Money Saving Tips

Can you afford to retire? Perhaps you’d feel more financially prepared if you worked a few more years. Unfortunately, plenty of people go ahead and retire for the simple reason that they just can’t stand working at their job anymore. If this sounds like your situation, it may be worth considering ways to rectify your…

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Divorce During Retirement

A funny thing happens when you get busy with trying to achieve all the things you want out of life: You lose a few along the way. Unfortunately, some people lose their marriage. However, for those who are truly unhappy and can’t see a way back to blissful partnership, a “gray divorce” isn’t necessarily all…

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Market Insights – One for the History Books

  Government debt sales are set to more than double in 2018, lifting net issuance to $1.3 trillion, the most since 2010, according to JPMorgan Chase & Co. estimates. With the Federal Reserve shrinking its bond holdings and deficits poised to swell even before considering the tax overhaul, all signs point to higher financing costs.…

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