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Is it Smart to Borrow From Your 401(k)

According to the National Bureau of Economic Research, in 2015, 20 percent of Americans have an  outstanding loan balance on their 401(k) and 37 percent have had loans in the past five years. Ten percent of those borrowers defaulted and a whopping 86 percent of borrowers left their company with an outstanding balance, according to…

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Emergency Budget

There are many Americans who are not saving and, for these people, even a small unexpected expense will likely cause a financial setback. A survey of 1,000 Americans by Bankrate said nearly 60 percent of Americans would not be able to pay an unexpected emergency expense from their savings. Forty-five percent of those surveyed said…

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Planning for Health Care expenses in Retirement

What’s the best way to wreck your retirement budget? How about unexpected medical expenses? Ask any financial planner and, he or she will likely say that most couples are not prepared for the financial disruption that could come with an expected or catastrophic illness. Twenty-eight percent of Americans said their greatest fear in retirement is…

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Latest News

That Talk You Need to Have With Your Children Before You Retire

Is it Smart to Borrow From Your 401(k)

Emergency Budget

Planning for Health Care expenses in Retirement

Try to Avoid These Retirement Mistakes

Do a little research before you buy that retirement home

There’s more to retirement than saving your money

Downsizing Your Budget in Retirement

Update your retirement plan regularly — or it could become useless

Why don’t some small business owners save for retirement?

Women and Retirement

Beware of these “Retirement Shocks”

Don’t let your grown kids ruin your retirement

Biggest Mistakes Couples Make

Coming Up Short for Retirement

Year-end Retirement Savings Tips

Protecting Pre-Retirees and Retirees from Scams

Five Things Retirees May Forget to Plan For

Why Selling Fixed Annuities for a Cash Lump Sum May Not be a Good Choice

How to Prepare for Spikes in Prescription Drug Prices During Retirement

Using Immediate Annuities to Guarantee Retirement Income While Delaying Social Security Benefits

How a Fixed-Indexed Annuity Interest Rate Is Determined, and the Limits and Restrictions to Know

Purchasing a Fixed, Deferred Annuity in an IRA Can Help You Manage RMDs in Retirement

How Much of Your Retirement Savings Should Be in a Fixed or Fixed-Indexed Annuity?

Beneficiary of an Annuity? Help Lower Your Tax Burden with a Transfer to a Qualified Retirement Account

Six Great Websites to Help You with Retirement Planning

Defer Taxes on a Lump Sum Payment in Retirement by Funding an Annuity

Borrowing From Your Retirement to Start a Business

Estate Planning With Deferred Annuities in Retirement: Reducing Your Beneficiary’s Tax Burden

Funding Unexpected Healthcare Costs in Retirement With an Immediate Long-Term Care Annuity

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Sep 20, 2017

That Talk You Need to Have With Your Children Before You Retire

  Finally, It’s that time. You’re ready to clock out of that old 9-to-5 after all those years. You’re one of the  lucky ones, old enough to have both a pension and 401(k). The kids have all graduated college and are out of the house. You still have a car note, but you and your…

Is it Smart to Borrow From Your 401(k)

According to the National Bureau of Economic Research, in 2015, 20 percent of Americans have an  outstanding loan balance on their 401(k) and 37 percent have had loans in the past five years. Ten percent of those borrowers defaulted and a whopping 86 percent of borrowers left their company with an outstanding balance, according to…

Emergency Budget

There are many Americans who are not saving and, for these people, even a small unexpected expense will likely cause a financial setback. A survey of 1,000 Americans by Bankrate said nearly 60 percent of Americans would not be able to pay an unexpected emergency expense from their savings. Forty-five percent of those surveyed said…

Planning for Health Care expenses in Retirement

What’s the best way to wreck your retirement budget? How about unexpected medical expenses? Ask any financial planner and, he or she will likely say that most couples are not prepared for the financial disruption that could come with an expected or catastrophic illness. Twenty-eight percent of Americans said their greatest fear in retirement is…

Try to Avoid These Retirement Mistakes

There’s a reason I advise readers to talk to a financial professional well before they retire. There is so much more to retirement than saving money, and many Americans can’t even do that. There are a lot of things to consider, foremost among them how long that nest egg will last so you don’t want…

Do a little research before you buy that retirement home

It’s a dream that many of us have. The kids have graduated from college and settled into their new homes and new jobs. Retirement is around the corner. Now that you are empty nesters, that big house in the suburbs no longer works for you and your spouse. So, finally, it’s your chance to get…

There’s more to retirement than saving your money

It’s complicated, this retirement thing. It sneaks up on you, and many of us aren’t quite ready. We haven’t saved enough, didn’t plan enough or we just haven’t figured out what we will do with all that time suddenly thrust upon us. Saving for retirement is difficult enough. Many surveys show that Americans have saved…

Downsizing Your Budget in Retirement

Many people nearing retirement already know they may need to downsize from those big family homes. Why pay for all the maintenance and upkeep when the kids are gone? But they need to also think about downsizing their finances. Reducing that pre-retirement budget can be critical to a successful retirement. Some people start reducing their…

Update your retirement plan regularly — or it could become useless

Remember the days before GPS when we had to follow a road map? (They were free and you could pick them up in any gas station back then). So, what if you were following that map and the highway just ended in the last place you visited — with no signs to tell you how…

Why don’t some small business owners save for retirement?

The people who own and run small businesses are busy – extremely. They have a lot to worry about  — payroll, rent and trying to bring in new contracts. And, on top of that, it seems they are constantly recruiting and hiring. What they might not make time for is preparing for retirement. And that’s…