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Retirement Planning | Financial Planning Tips

The Top 6 Retirement Planning Resources on the Internet

Financial security has become a more real concern for most individuals as we continue to struggle toward an uncertain future and attempt to plan for retirement as best we can. It is a very real fact that a significant number of families are living paycheck to paycheck, barely able to make ends meet, while trying to support their loved ones in an unstable economic environment. Despite the … [Read more...]

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How Can a Life Insurance Policy Help Me Retire When I Want?

If you were to take a poll, the majority of people would probably say that they felt they had little control as to when it is that they will be able to retire. Perhaps even more still would say that their retirement savings had been reduced by fluctuations in the stock market, pushing back the date at which they will be able to retire even further. Everyone dreams of being able to retire at an … [Read more...]

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Why Choose an IRA for Your Retirement?

There are plenty of employed individuals who prefer to open an Individual Retirement Account (IRA) as preparation for their retirement. As you may have already known, an IRA is a type of investment vehicle which allows employed individuals who are earning taxable income to save part of their earnings as their retirement funds. Such funds will be invested in various asset classes which the … [Read more...]

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Thinking of An Early Retirement? Plan Ahead!

Arguably, planning ahead in terms of a financial context is the most important aspect of retirement planning. Make sure to plan ahead and put a portion of your income towards your eventual retirement. The ultimate goal of retirement planning is to achieve complete financial independence. This way, you can choose to work rather than be forced to work. In the long run, it is better to start planning … [Read more...]

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Pre-Retirement: How Much Should You Save?

Through the years, the income that experts' estimate retirees need to have available up has varied greatly. The standard rule of thumb was that 70% of one's typical earnings should be saved up. Later, this figure was upgraded to 80%, 90% and even above 100% in some cases. How much is really necessary? Future retirees need to consider how their spending will change post-retirement. Some factors … [Read more...]

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Dealing With Bankruptcy During Retirement

Senior citizens are one of the fastest growing segments of the population to file for bankruptcy. Bankruptcy in retirement is becoming increasingly necessary for several reasons. The most common reason is due to medical expenses. The sandwich generation has also run up credit card debt while finding that they cannot make the money they expected to pay for it, while giving money to grown children … [Read more...]

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A Golden Layer of Diversity: Adding Gold to Your Retirement Plan

No matter your age, retirement is something that you will have to think about at some point. Planning your retirement as soon as possible is a much better option than waiting until your last ten years of employment, though, and if you start now you can have yourself set up with a nice little nest egg when you are ready to take on this exciting new chapter of your life. Typically, folks will choose … [Read more...]

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Do You Love Your Bank? Why Consolidating Your Money Might Be A Good Idea

I love Chase. Maybe I’m blinded by the light since I’ve always been with them for 18 years.  Woah.  I can’t believe it’s been that long.  I can't believe I'm saying that I love my bank like a cheesy Ally Bank commercial, but I do. So I’m going to lay out the history of how I came to consolidate a decent portion of my money at Chase, and various others banks where I currently have money - … [Read more...]

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Being Financially Prepared for Retirement: Tax Deferred Accounts and Infinite Banking

Many find that once retirement approaches, they are terrified for their financial future. It can be the end of an established income, as well as benefits and insurance; however, the more you prepare beforehand, the easier it will be to feel at ease when you are finally retired. Probably the best way to prepare for the day is to set up a savings plan, IRS approved, that you will be able to … [Read more...]

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Understanding The IRA Withdrawal Rules

IRAs provides great benefits for workers. It allows them to save for their retirement in an account that will give them a variety of investment options. An IRA account acts like a cup that holds many investments like stocks, bonds, mutual funds and so much more. It is up to the account holder which type of investment he or she likes to take on. Aside from investment opportunities, IRA accounts are … [Read more...]

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Annuity Options – Should I Use The Cash Out For Assets Option – Or Not?

Annuities are a common payment system involving large cash sums, which can include cash awards as well as retirement plans. Annuity options include both fixed and variable rates, which means the payments can be established with either fixed terms, or with terms that are flexible, allowing for the potential for growth similar to investments. When a lump sum is preferable, cashing out is often … [Read more...]

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Why A Roth IRA?

As we head toward the end of the calendar year, people start thinking about taxes and retirement planning. There are some decisions you can easily make on your own, while some others you should consult a qualified accountant or financial planner. What is a Roth IRA? Over the last 10-15 years, there have been many, many sub-types of tax qualified savings and retirement accounts created by … [Read more...]

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Create A Financial Plan To Prevent Money Problems

What are you planning to do with your money? Do you have a plan or do you just spend your money immediately after you get it. Do you have any financial problems because of financial planning mistakes? If so, you are not alone. If you want to escape, then you are going to have to create a plan. What is your long term goal and what do you want to do in your life? Depending on what you plan to do, … [Read more...]

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Finding The Best Fixed Annuity Plan

As with any investment you make it’s so important to take your time before diving in to anything long term. This is important because there are things you need to know about certain investments first, you need to compare different opportunities and be confident in the product and its potential returns. Above all you need to be sure you are working with an honest and reliable company who are going … [Read more...]

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401(k) Hardship Withdrawals For Financial Emergencies

401(k) hardship withdrawals are basically like Individual Retirement Account or IRA hardship withdrawals. 401(k) plans usually help and encourage people to save in preparation for their retirement. They can only withdraw from the funds of this savings when they almost reach the age of 60. However, there are some 401(k) plans that allow employees to get money from this account for some important … [Read more...]

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