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Retirement Resources
Insuring Your Life Savings
We buy insurance for our cars, our house, our cell phone, our life and sometimes an important heirloom, so why not insure your life savings. We spend decades saving for retirement and too little time thinking about how we can preserve our savings so it is there when we need it and lasts as long as we live. You can insure your retirement savings. Read more and join the discussion..
Social Security 101
You know your social security number, you’ve paid social security every paycheck year after year, but when it comes to receiving social security most of us don’t know where to start. Lets talk about the one annuity everyone owns, and learn what impacts your decision of when to start receiving social security, what gaps you’ll need to fill and how to know how much you can expect. Read more and join the discussion.
Don’t Let Long-term Care Impoverish You
According to the federal government, 7 out of 10 people who reach age 65 will need some form of long-term care in their lifetime and 1 in 5 will need it for more than five years. Most people think Medicare will cover their long-term care needs and are disappointed to learn that Medicaid pays only for a few days of care, and Medicare pays only after you have virtually impoverished yourself and left nothing for your heirs. Those who plan can have a much more pleasant outcome. Read more and join the discussion.
Do You Know the Stages of Wealth?
Can you imagine how often you would win if you didn’t realize there were four quarters in a football game and your game plan ended at half-time? That’s the experience many retirees have when they get to age 55 and realize that they’ve only been taught the first stage of wealth – accumulation. They didn’t even realize they needed to plan for the last two stages of wealth - preservation and decumulation. You know how to put money into an IRA or 401K but has anyone talked about how you get money out of those accumulation tools? We can help you develop strategies for all three stages. Read more and join the discussion.
Don’t Outlive Your Money?
Next to the fear of being alone and bored, the financial fear that keeps seniors up at night is the worry that they will run out of money, that their savings won’t sustain them until the day they die. If you don’t have a company-provided pension, at some point in your life you need to worry less about accumulating funds and start worrying about preserving the money you’ve saved through your mortal retirement. There are tips that can help. Read more and join the discussion.
Real Estate: Is a Reverse Mortgage Right for Me?
For most seniors, their home equity represents the largest portion of their wealth at retirement. The problem is, they can’t spend that equity without selling their house or getting a home equity loan. Thus the reverse mortgage offer which gives them some cash today and allows them to remain in their home can be very attractive. Is a reverse mortgage the best option for you? Read more to find out and join the discussion.
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