Retirement Risk Articles

Beware of these “Retirement Shocks”

Retirement is a time of major change, and for most of us and usually requires major adjustments. First is the challenge of figuring out how to spend your day, after getting up each morning for however many years to make that early-morning commute to your job. Then there’s the fact that you are no longer…

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Long-term Care Insurance

By Rodney Brooks As our health and health care have advanced, so has longevity. For a couple age 65, it’s likely that at least one of them will live until age 88, according to 2010 Social Security data. So, as a result, longevity can now be a “risk” in retirement. There are two main financial…

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Are Bonds Risky For Retirees?

The question of bonds being risky for retirees may seem backwards to the many people who believe stock exposure is what they should be leery about. Well, they aren’t totally wrong. Stocks are risky, but bonds can be as well, and a lack of understanding about bond risks might derail a retirement income plan. So…

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Social Security: Is it Working for Retirees but Risky for Young Workers?

The Social Security program was established in the 1930s to help retirees avoid the poverty associated with the Great Depression. One of the program’s key goals was to ensure at least one guaranteed source of income that retirees could rely upon for necessities like food and shelter. The program remains fully intact today, although concerns…

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Sequence of Return Risk: How Can This Impact Your Retirement?

Have you ever considered the impact that the order of your investment returns, also known as sequence of return, can have on your retirement savings? Sequence of return risks are often overlooked during retirement income planning, but they can erode your assets if you aren’t careful. Below are some key sequence of return risk explanations and suggestions to keep…

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Managing Risk

Retirement can be a risky proposition. So risky, in fact, that the American College of Financial Services identifies 18 different risks, some of which can be addressed with careful retirement income planning, to help avoid damage to a retirement nest egg.* From the risks of outliving your assets to investment, health and aging risks and…

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Could Long-Term Care Insurance Help Protect Your Retirement Assets?

Long-term care (LTC) is one of the least pleasant aspects of retirement income planning. Whereas many people embrace the financial process of developing a retirement income strategy because it’s exciting to prepare for the next phase of life, long-term care requires thinking about a possible decline in health. This decline could lead to medical bills…

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