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Retirement Planning

Protecting Yourself Against Market Fluctuations
August 27, 2018

  Often when we’re helping pre-retirees plan for the future, one of their biggest questions revolves around market fluctuations. What do you do, if the market fluctuates during your retirement? One of our biggest focal points is helping our clients to insure their portfolios. We want to make sure that…

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3 Ways to Boost Your Social Security Benefits
August 6, 2018

Although Social Security was never intended to fully fund retirement, and was designed as an income supplement only, many retirees do draw a significant portion of their monthly income from the program. In fact, 62 percent of today’s retirees rely on Social Security to provide for at least half of…

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Approaching Retirement? Make Sure You Have These Conversations
July 2, 2018

Most people can’t wait to retire, so it can be tempting to hand in your resignation as soon as you turn 65 (or 62, or some other target age that you determined years ago). But since retirement affects all areas of your life, make sure you’ve had the following conversations…

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Exploring Your Medicare Options
June 18, 2018

As you approach your 65th birthday, it’s time to enroll in Medicare. Once you begin the enrollment process, you might find yourself surprised at how many different insurance options are available to you! These options are also available to you each year thereafter, during Medicare’s annual open enrollment season (also…

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Strategies to Minimize Taxes on Social Security Benefits
June 5, 2018

There’s a lot to look forward to in retirement, such as increased travel opportunities, time for your hobbies, and an escape from the daily grind of work. But most of us won’t completely escape income taxes. Even your Social Security benefits can be taxed, depending upon your income. Luckily there…

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Reducing Income Tax Liability in Retirement
May 28, 2018

Income taxes in retirement can work a bit differently from how they worked throughout your career. You might have established several streams of retirement income for yourself, and they’re not all taxed the same. For example, I recently noticed that a client was pulling money from her IRA but not…

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The Biggest Question Regarding Your Social Security Benefits
May 21, 2018

  Social Security is a common topic among those discussing, and planning for, retirement. And yet many people don’t know much about how the system actually works. Remember, this is your money! You’ve worked for decades, paying taxes into a system that is set up to help you during your…

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Early Retirement Might Help You Live Longer
April 15, 2018

What would you do all day, if you could retire right now? It appears that many early retirees are spending at least some of their time exercising and attending regular medical checkups and screenings. According to a study published last year in the journal of Health and Economics, those who…

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Two Things to Consider Before Retiring at 62
April 3, 2018

Once you reach your forties and fifties, it’s normal to begin focusing on retirement much more. Planning seems more urgent now, and at the same time, retirement is starting to sound a lot more appealing. Because you will be eligible to take Social Security benefits as early as age 62,…

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When is the “Right Time” to Retire?
March 25, 2018

Most of us dream of retirement, but those dreams start to feel like a looming reality in our late fifties and into our sixties. At that point, you might begin to feel a bit of anxiety, because you’re not sure when is the exact “right” time to retire. This list…

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