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Bankrate: Retirement

CNNMoney: Retirement Advice

Morningstar: ERISA

Morningstar: Retirement Strategy

NASDAQ: Retirement

  • How to Talk to Aging Parents About Money

    How to Talk to Aging Parents About Money

    When you were a kid your parents probably talked to you about money perhaps about the value of a buck or how you might spend your allowance As time marches on you may find the situation reversed and that you have to have the money talk with your pare…
    - 1 day ago, 15 Aug 17, 10:35am -
  • Why I'm a Lazy, Passive-Aggressive, Cheap Investor

    Why I'm a Lazy, Passive-Aggressive, Cheap Investor

    By  Christina Empedocles, CFP® I normally never use the term lazy to describe myself, but in this instance I'll make an exception. You may think to get anywhere with your money you have to roll up your sleeves, consult with the experts, and take…
    - 1 day ago, 15 Aug 17, 10:01am -
  • Working Part-Time in Retirement Can Be Tricky

    Working Part-Time in Retirement Can Be Tricky

    Some people s retirement dreams consist of having the time to do what they want unencumbered by the demands of working For others staying in the workforce on a part time basis either out of necessity or by choice is a core component of their retireme…
    - 1 day ago, 15 Aug 17, 8:34am -
  • Leaving Your Digital Legacy

    Leaving Your Digital Legacy

    My mom who passed away a few years ago was a very careful and meticulous person who kept a notebook with all of her online account passwords Mom was also a Morse code operator in the Royal Air Force during WWII so all of her passwords were in code I…
    - 1 day ago, 15 Aug 17, 8:34am -
  • Planning for Retirement the R.I.T.E. Way

    Planning for Retirement the R.I.T.E. Way

    By  Scott Bishop, CPA, PFS, CFP® Most Americans spend decades of their lives working and planning to save for retirement. However, when they get close, there is very little discussion on how to plan for retirement income and distributions. Ther…
    - 2 days ago, 14 Aug 17, 1:07pm -
  • Here's How America Saves For Retirement. How Do You Save?

    Here's How America Saves For Retirement. How Do You Save?

    The 160 way Americans build their retirement nest egg has changed over the past few decades Gone are the days where a company pension served as the cornerstone of retirement assets for many Americans Now an employer s defined contribution plan like a…
    - 6 days ago, 10 Aug 17, 2:35pm -
  • Decode Annuities to Find the Best Fit

    Decode Annuities to Find the Best Fit

    Do your eyes glaze over when you heard the word annuity When you imagine handing over a large chunk of money to an insurance company in exchange for promised income do those glazed eyes turn into a death stare Do your eyes glaze over when you heard t…
    - 6 days ago, 10 Aug 17, 8:34am -
  • Look Before You Leap Into a Taxing Withdrawal Strategy

    Look Before You Leap Into a Taxing Withdrawal Strategy

    Life is unpredictable enough before retirement but once your regular paycheck goes away for good it can feel downright dicey Life is unpredictable enough before retirement but once your regular paycheck goes away for good it can feel downright dicey…
    - 6 days ago, 10 Aug 17, 8:34am -
  • Enter the Labyrinth: What to Know About Social Security

    Enter the Labyrinth: What to Know About Social Security

    Social Security has the potential to be a significant portion of your retirement income even if you re lucky enough to have an investment and 401 k balance that allows you to sleep well at night Social Security has the potential to be a significant p…
    - 6 days ago, 10 Aug 17, 8:34am -
  • A Household Spending Plan to Save for Retirement

    A Household Spending Plan to Save for Retirement

    By  Dave Rowan, CFP® “I’m Too Busy to Plan for Retirement” Like all of us, you’re busy. Retirement is a fuzzy, distant event that has nothing to do with shuttling the kids to lacrosse practice or dance lessons while making sure family…
    - 7 days ago, 9 Aug 17, 10:22am -

TheStreet: Retirement

  • Working After Retirement Is the Newest Trend

    Working After Retirement Is the Newest Trend

    Stu Gelbord was 62 years old when he retired from his position as vice president of a food manufacturing company. Five years later, Gelbord was back in the business arena, using his retirement money to become a franchisee of two new locations for the…
    - 28 Jun 16, 7:30am -
  • 3 High-Yield Dividend Stocks for Safe Retirement Income

    3 High-Yield Dividend Stocks for Safe Retirement Income

    The utility sector is one of the best sectors for reliable dividend income. Three of the most dependable, highest-yielding dividend stocks for income are found in the sector. Each of these regulated utility companies essentially operates as a mon…
    - 25 May 16, 1:12pm -
  • How to Handle Your First 401(k) Plan

    How to Handle Your First 401(k) Plan

    The job market for the 2016 crop of college graduates is looking promising, as employers say they're planning to hire about 5% more graduates from the class of 2016 than last year, according to data from the National Association of Colleges and Emplo…
    - 23 May 16, 10:05am -
  • How to Cash In on Boomers' Retirement Plans

    How to Cash In on Boomers' Retirement Plans

    How can you profit from retiring Baby Boomers? Lately the news has been filled with dire warnings about the mass of Boomers headed toward retirement age and the consequences for Social Security when that happens. These concerns are well founded. At…
    - 23 May 16, 9:17am -
  • Target Date Funds Offer Convenience -- but Also Pitfalls

    Target Date Funds Offer Convenience -- but Also Pitfalls

    While interest in target date and other types of balanced funds continues to grow — especially among younger investors — the convenient funds do offer some snags all investors, young and old, should know about. Target date funds — also called…
    - 20 May 16, 7:09am -
  • There’s a Retirement Savings Gap Between Men and Women

    There’s a Retirement Savings Gap Between Men and Women

    If you think the process of saving for retirement is the same for men and women, think again.
    - 12 Mar 16, 10:00am -
  • Many Investors Think This Year’s Stock Market Volatility Is Here to Stay

    Many Investors Think This Year’s Stock Market Volatility Is Here to Stay

    The first few months of 2016 saw elevated levels of volatility in global stock markets amid falling oil prices and worries about a slowdown in China’s economy.
    - 10 Mar 16, 9:31am -
  • Don’t Misuse Your Target-Date Fund

    Don’t Misuse Your Target-Date Fund

    Investors are misusing their target-date funds and it is not because they don’t understand how they work.
    - 1 Mar 16, 7:00am -
  • T. Rowe Price: Staying the Course Pays Off

    T. Rowe Price: Staying the Course Pays Off

    Investors who remain invested tend to fare far better in the years after a market downturn than those who sell and then try to jump back into stocks.
    - 16 Feb 16, 5:14pm -
  • Gen Xers Win Title of 'Most Worried’ About Retirement

    Gen Xers Win Title of 'Most Worried’ About Retirement

    Generation Xers were slammed by the financial crisis and are now worried about the stability of their jobs.
    - 3 Feb 16, 3:06pm -
Emergency Comeback
Emergency Comeback
Emergency Comeback
Emergency Comeback

WSJ: Retirement Planning

  • Why More 401(k) Plans Offer 'Brokerage Windows'
    More 401(k) plans are providing a “brokerage window” through which participants can buy a wide range of stocks, mutual funds and other securities. While the services expand investors’ choices, they often come with extra fees that can reduce lon…
    - 1 Jul 16, 12:47pm -
  • How to Lobby for a Better 401(k)
    Weekend Investor: Many workplace plans are hobbled by high fees or inadequate choices. Here’s how to tactfully advocate for improvements.
    - 2 May 15, 3:12pm -
  • Golden Rules for Your Golden Years
    Seven guidelines to help meet your retirement goals. While there are no guarantees, these will help you avoid some of the biggest mistakes people make with their investments and minimize the risk that your nest egg will expire before you do.
    - 8 Mar 15, 3:01am -
  • Have the Right Tools for Retirement
    Five steps you should take before retiring to make post-employment easier. Among them, make a realistic and efficient plan for withdrawing money from savings and a nonfinancial plan for staying engaged during retirement.
    - 22 Feb 15, 2:31am -
  • A New Savings Plan for the Disabled
    529 ABLE beneficiaries will still qualify for supplemental security income.
    - 8 Feb 15, 2:31am -
  • For Some, Retirement Brings Grief
    After decades of punching a clock, most retirees look forward to having more time for interests and activities that had been squeezed into a few hours at night or on weekends. But not everyone makes that transition easily.
    - 30 Nov 14, 2:31am -

Your Retirement Income Blueprint Blog

  • Donor-directed taxes – You decide who gets your money!

    Donor-directed taxes – You decide who gets your money!

    Are excess savings in RRSPs going to create a problem for you in the future? In our practice, we quite typically see retirees in receipt of pension incomes, CPP, OAS, — often doubled up in a household — whose core … Continue reading →
    - 29 Jul 14, 2:32pm -
  • Seeking Out a Reasonable Fee Structure for Your Investments

    Seeking Out a Reasonable Fee Structure for Your Investments


    - 7 Jul 14, 10:00am -
  • The Cash Wedge: An Income Delivery Process – PART 3
    This is continued from our previous blog post on June 19th. Additional Investment Considerations for Your Withdrawal Portfolio There are a number of strategies and considerations that will be beneficial to you in obtaining the maximum benefit from yo…
    - 30 Jun 14, 9:30am -
  • The Cash Wedge: An Income Delivery Process – PART 2
    This is continued from our previous blog post on June 10th. 4.   If the equity selections provide investment returns that will allow you to take profits and replenish the Cash Wedge, it may make sense to renew the GICs … Continue reading →
    - 19 Jun 14, 9:00am -
  • The Cash Wedge: An Income Delivery Process – PART 1

    The Cash Wedge: An Income Delivery Process – PART 1

    The “Cash Wedge” is what I call the income delivery process I developed in 1993 and have been using successfully ever since. It helps to address the issues that you cannot control by allowing you to focus on those aspects … Continue reading →
    - 10 Jun 14, 10:00am -
  • The 4 per cent rule
    Based on early research of actual stock market returns and retirement scenarios over the past 75 years, it was found that retirees who draw down no more than 4.2 per cent of their portfolio in the initial year and adjust … Continue reading →
    - 30 May 14, 10:00am -
  • MAKING YOUR BLUEPRINT WORK FOR YOU
    Don’t make the decision to retire without knowing that you have the assets you need to fund the lifestyle you seek. This is one of the prime functions of your blueprint. It can help you determine if it is feasible to do … Continue reading →
    - 22 May 14, 10:00am -
  • Don’t Stop ’til You Get Enough
    Have you ever been driving to a destination and found yourself wondering if you had enough fuel to complete the trip? It is a very unsettling and stressful feeling and does not make for an enjoyable journey, for either the driver or … Continue re…
    - 8 May 14, 4:00am -
  • Paying the Piper
    One change that occurs when you start drawing your retirement income is how tax is paid on the income. During your working years, tax is deducted by your employer and remitted on your behalf. You are left with your net … Continue reading →
    - 30 Apr 14, 9:00am -
  • Reducing Your Total Income Through Deductions and Credits
    Understanding the difference between a tax deduction and a tax credit will enable you and your advisor to apply strategies and employ financial tools to help you reduce the tax you pay on your retirement income. Tax deductions are subtracted … Cont…
    - 15 Apr 14, 9:00am -

MOSERS Straight Talk

  • Straight Talk has Moved!

    Straight Talk has Moved!

    MOSERS’ Straight Talk has been merged with our Rumor Central Blog. While we will no longer continue to update this blog, we will continue to leave it up so that your bookmarked links will still remain active. If you subscribe to this Straight Talk…
    - 26 Feb 14, 9:29am -
  • Putting the pieces together part 2: Your monthly income

    Putting the pieces together part 2: Your monthly income

    Getting ready for retirement often means collecting pieces of information from multiple agencies so that you can begin to envision your life post-retirement.  This is part 2 of a 3-part series: Part 1: Gathering estimates for your health care premiu…
    - 18 Feb 14, 10:57am -
  • Friday Top Five: February 14, 2014

    Friday Top Five: February 14, 2014

    From PandoDaily: The Wolf of Sesame Street: Revealing the secret corruption inside PBS’s news division On December 18th, the Public Broadcasting Service’s flagship station WNET issued a press release announcing the launch of a new two-year news s…
    - 14 Feb 14, 2:36pm -
  • Friday Top Five – February 7, 2014

    Friday Top Five – February 7, 2014

    The Friday Top Five: A collection of the top five news articles, blog posts, or other retirement related information from the past week. From PensionDialog: Are We Ready to Retire? Retirement savings—and the lack thereof—for private sector employ…
    - 7 Feb 14, 2:07pm -
  • Putting the Pieces Together Part 1: Your Health Care Premium

    Putting the Pieces Together Part 1: Your Health Care Premium

    Getting ready for retirement often means collecting pieces of information from multiple agencies so that you can begin to envision your life post-retirement. Although MOSERS no longer provides health insurance for state employees (and hasn’t since…
    - 6 Feb 14, 10:39am -

SmartMoney: Retirement

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