Pensions & Income

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Increasing Your Happiness Before Retirement   This year, Bank of America Merrill Lynch released a study showing the various levels of well-being people reported feeling during their lifetime. While people in their late 50s and older reported having increasing levels of happiness and well-being, preretirees in their early 50s reported …

IRAs are usually opened with the intention of saving enough money to create a stable, dependable postretirement income. But for some, the assets within an IRA aren’t needed for retirement and instead are simply passed on to the next generation after the account holder’s death. But what if you want …

There are many formulas that are supposed to help ensure you don’t overspend your retirement savings. One of the most popular, and—as such—relied upon is the 4 percent rule. This is a withdrawal rule that limits the amount of your annual withdrawals to just 4 percent of your retirement savings …

If you’ve read my book, Let’s Talk Money, then you understand that women face unique challenges when it comes to retirement planning. If you haven’t read my book, keep reading this blog post because I’m going to discuss some of these challenges below.   Challenge 1: Women earn less   …

It’s hard enough to plan a retirement for one, saving enough to last a single lifetime. But when you’re married and your savings need to stretch over two lifetimes, the challenge can seem completely insurmountable. Here are some tips that can help remove the stress and keep both you and …

It’s important to understand your goals before you retire. Not only will doing so help you live a more fulfilled retirement, it’ll also give you a more accurate assessment of the kind of savings you need to have in order to get there.   Career Goals   Not everyone automatically …

  Throughout your adult life, you’ve probably saved for many different things. You’ve saved for down payments, vacations, college tuition and more. But the most important thing you’ve saved for is retirement—and that’s the one savings it would hurt the most to lose. It probably comes as no surprise that …

There is no single, one-size-fits-all solution for retirement planning success. While that may sound overwhelming, what it really means is that retirees have a lot of options to choose from when selecting financial and insurance instruments. One of the instruments that can help them design a secure, satisfying retirement is …

There is a lot of freedom in how you structure your retirement. One of the many choices you can make is whether to take a phased retirement. Haven’t heard of that before? Well, read on because it might be the perfect solution for you!   What Is a Phased Retirement? …