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Know Your Options With Social Security

By anna | June 12, 2017 | 0 Comments

“In most cases, [Social Security] is available at age 62. Is that the best time to take it? The answer is, ‘it depends.’” ~ “Retire With Freedom” When it comes to Social Security, many people on the cusp of retirement have only one thought: “yes, please.” But the topic deserves much more consideration as a…

Don’t Go Alone on Pension Options

By anna | May 30, 2017 | 0 Comments

“Pensions, while they are not completely extinct, are quickly going the way of the wooly mammoth and the eight-track tape.” ~ “Retire With Freedom” Pensions have mostly disappeared, particularly in the private sector, but there are enough people retiring with at least a partial pension that the issue is worth addressing. As pensions dry up,…

Build Your Retirement House on an Income Foundation

By anna | May 16, 2017 | 0 Comments

“For most people, the goal is to at least maintain in retirement the lifestyle they had become accustomed to during their working years. That is why income planning is the cornerstone of the Retire with Freedom planning process.” ~ “Retire With Freedom” Once you have firmly established the goals for your retirement, or the “what”…

Stress Test Your Plans

By anna | April 17, 2017 | 0 Comments

“Retirement is a new chapter in our lives — a new lifescape. It is only natural to have some trepidation that things won’t turn out just the way we had imagined them.” ~ “Retire With Freedom” Have you ever lain awake before a trip, running through the itinerary in your head and wondering if your…

Get on the Same Page

By anna | April 4, 2017 | 1 Comment

“I have to admit that I was starting to feel a bit like a psychiatrist instead of a financial advisor…” ~ “Retire With Freedom” If you are married, your retirement will be a team effort. Like any team, you have to be on the same page of the playbook. Most of all, that means goals.…

For Couples, Communication Is Key

By anna | March 21, 2017 | 0 Comments

“I see this scenario often. One partner is the dominant one in the relationship when it comes to money… Frankly, this arrangement might work just fine and we wouldn’t have to worry about it, if it weren’t for the fact that the mortality rate for humans is 100 percent.” ~ “Retire With Freedom” Sometimes it’s…

Have A Process

By anna | March 6, 2017 | 0 Comments

“…Just about any endeavor we put our minds to will turn out better if we work with an organized planning method or system of development — in other words, a process.” ~ “Retire With Freedom” Have you ever made a plan and gotten right up to putting it in place, only to realize it won’t…

Find an Advisor Who Gets It

By anna | February 20, 2017 | 0 Comments

A lot of people like to DIY, or do it yourself. I’m one of them. After all, isn’t having pride in and taking care of what you have one of the best lessons in life? However, when it comes to planning for retirement, it is better if you don’t go it alone. Hopefully you aren’t…

Make A Plan

By anna | January 23, 2017 | 1 Comment

The majority of modern retirees get to retirement by default, saving with their employer or watching their Social Security projections grow. They age into retirement without making a plan. Unfortunately, this means they are unprepared to tackle the challenges that arise in retirement. Even if a couple has identified a retirement goal, if they don’t…

Find Your Number

By anna | January 16, 2017 | 0 Comments

“When people make financial decisions, they have to be made with accurate data and complete, clear information… I observe too many people making decisions with either wrong information, or missing information.” ~ “Retire With Freedom” Before you form a plan or start working a process to fund your retirement, the meaty part of retirement income…