-
Bull/Bear Infographic
A visual, historical perspective on bull versus bear markets and their respective timeframes. This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding…
-
Controlling Your Finances And Average Retiree Expenses
Things You Can Do To Help Control Your Finances In Retirement Create a budget Track your spending Automate your savings Create an emergency fund Reduce your debt Review your insurance Know your net worth Average Retirement Expenses Notably, spending in retirement typically declines compared to spending by those who continue working. People are always curious,…
-
Case Study Part 3 – Enjoying Retirement
Making Sure the Enjoyment Lasts Carol has been retired for three years. She’s done some fun things in that time but, is now realizing that retirement is going to be a long road, and she may not have the means to afford to do all that she wishes. She also has some doubts about her…
-
Case Study Part 2 – On the Brink of Retirement
Easing the Nerves of a Couple on the Brink of Retirement Ed and Mary both come from a middle-class background and had both worked in skilled technical positions for the phone company for their entire careers. Though they had fostered good saving habits, they felt nervous and anxious on the doorstep of retirement. There wasn’t…
-
Case Study Week – Retirement Planning
Retirement Planning As you approach retirement and move into the distribution phase of your life it’s imperative that you work with an advisor that thoroughly understands the risks involved and can help you manage this risk over the course of your retirement. I thought it would be of value to include a few case studies…
-
How to Choose a Financial Advisor?
The number one retirement concern is running out of money. If the number one issue is running out of money shouldn’t your advisor’s number one focus be to make sure you don’t? All too often I see advisors and their firms focus on average annual returns and asset allocation strategies versus what’s really most important;…
-
Can some investments help manage retirement income risk better than others?
Retirement Income Planning Risks One element we outline for new clients is helping you understand the importance of aligning your investment choices with the various risks you will encounter in retirement. For example, rather than debating whether you love or hate annuities, or if owning stocks is too risky or you feel bonds are boring…
-
What is the biggest financial worry?
Retirement is the number one financial worry. I want to cite Steven Chen, for an article he wrote called “Why Retirement is Broken and Needs to be Reinvented.” Most importantly to highlight a few take aways that coincide with the messaging that we are delivering to clients through our website and blog, the most important…
-
Where To Begin?
I often get asked – “How do I begin planning my retirement?” Great question. With just a handful of details, we can get right to business. First, we want to understand how much of your retirement income we can count on – guaranteed to show up in your bank account regardless of the stock market…
Defend Your Retirement™ Blog
People are facing difficult questions when it comes to planning their retirement. I’m here to help.
My goal is to provide realistic, straight-forward advice designed to help you make smart decisions with your investments.