Category: Blog

Budgeting For Travel – Now and Later

Whether it’s palm trees, museums or shooting the rapids, travel continues to be a popular pastime for retirees. While the scenery may change from year to year or season to season, one thing never changes: travel can be expensive. Planning ahead and traveling in the off season can save.

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What’s the best way to handle company stock without getting killed by taxes?

Company stock, especially if it was awarded as part of a long term incentive package, can be a terrific way to build wealth. But it can be a double-edged sword, too. Over-concentration in a single stock probably represents one of the biggest mistakes we have seen retirees make. And when the stock is from the company where they built their career, they may have a strong emotional attachment that can cloud judgement.

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Setting aside funds to cover future health expenses

The old saying used to be that you could only count on two things: death and taxes. Today, we need to amend that include a third constant: the rising cost of healthcare. For some time now, medical costs have increased at a pace that exceeds inflation. No one is predicting a change in that pattern.

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Consolidating Company Retirement Plans

For most people, I believe consolidating your various company retirement plans and IRA’s into a single IRA is the best route to go for a number of reasons 1,2,4:

Convenience
It is generally easier to manage the investments for one account than several
Administrative ease regarding things like changes in address, beneficiary changes, etc.
You will get fewer statements

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Growth, Risk & Safety: Investment Portfolios and Retirement

Years ago, conventional wisdom was that your portfolio should get more conservative as you age. One widely quoted rule of thumb was that the amount you should have in bonds should match your age. So a 60-year-old would have a 60% bond/40% stock portfolio, a 70-year-old would have a 70% bond/30% stock portfolio, and so on.

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What Should I Do About My Pension?

If you are able to ask this question, consider yourself fortunate. Many, if not most retirees today do not have a company pension, and for them, the only guaranteed lifetime income stream they have is Social Security.

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