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30-Year Retirement Planning: What Changes as You Age?
Imagine retiring at 65 with a comfortable investment portfolio, a paid-off home, and plans to enjoy everything you’ve worked so hard for. Now imagine yourself at 85. You may be traveling less and spending more on healthcare. Your investments have been supporting your lifestyle for two decades, inflation has changed…
Questions to Ask Before Buying an Annuity: 5 Things to Understand Before You Sign
When you’re considering an annuity, it’s easy to focus on the income amount or another benefit shown in the illustration. But before committing your money, you need to know what the contract allows. How much can you withdraw? How long could surrender charges apply? What fees are involved? Annuities can…
What Happens to an Annuity When You Die?
“If I put this money into an annuity and die, what happens to the money?” If leaving money to your spouse, children, or other beneficiaries is important to you, this is a question worth asking before you buy an annuity. There isn’t one answer. Depending on the annuity and the…
Guaranteed Income in Retirement: Do You Need an Annuity?
If the market fell tomorrow, how much of your monthly spending would still be covered without selling investments? While you’re working, your paycheck covers the bills. In retirement, income may come from several places, including Social Security, pensions, investment withdrawals, and rental income. Before deciding whether you need an annuity,…
Annuity vs. Investment Portfolio: Are We Asking the Wrong Question?
“Would I make more money investing this instead?” It’s a fair question when considering an annuity vs. an investment portfolio, but returns only tell part of the story. Comparing an annuity with an investment portfolio based solely on performance is a little like comparing a paycheck with a savings account.…
Retirement Planning Risks That Can Change After You Stop Working
For decades, your financial life has had a built-in shock absorber: a paycheck. Markets could fall, expenses could rise, and tax rules could change, but income from work continued arriving every few weeks. Retirement changes that dynamic. Instead of regularly adding to your savings, you may begin relying on them…
Why Retirement Income Planning Is About More Than Monthly Cash Flow
During your working years, a paycheck has a fairly simple job: cover your expenses while you save for the future. In retirement, your income has to work differently. Retirement income planning isn’t simply about replacing that paycheck. Your income may come from Social Security, retirement accounts, investments, or other sources,…
5 Retirement Income Decisions That Can Shape Your Retirement
For most of your working life, retirement planning has a clear direction: save and invest for the future. Then retirement arrives, and the question changes from “How much have I saved?” to “How do I turn those savings into income?” That shift brings a new set of retirement income decisions.…
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