A 65 year old couple today has a 50% chance that one of them will live beyond the age of 90(1)I
In distribution, market volatility creates a substantial gap between an “average rate of return” and “actual rate of return”
Health care expenses: With people living longer, medical cost rising and many employers not providing retiree medical coverage, the cost to an individual can be far more than they may have expected.
Inflation: With the cost of gas for
#1 My first concern for you is not your potential need for long-term care. My first concern is being sure you have the income you need to live the life you want to live for whatever years you have left
Some people find in their work a sense of identity with who they are. Others enjoy the structure that a work week provides. Stepping out of that comfort zone and into retirement, for some is a scary thought. They question
Scrapbooking can be a great way for friends and family to get together, reminisce and preserve memories. ‘Enjoyable for you, and something you can pass on for many generations to come.
The definition of scrapbooking: The creative art of taking
If you are approaching retirement or already retired, you face the increasingly complex challenge of planning for the income you will need that will last the rest of your life.
Today’s retirees approach retirement very differently than previous generations.
As time passes it may become more difficult for you to manage your finances and other areas of your life. There may be things you can do now, while your mind is sharp and you are able to make good
One of the major financial concerns for people over the age of 65 is the escalating cost of care. They are afraid that in their last years of life they will lose all of what they spent their
Once you have the facts, the decision isn’t that difficult. First you need to know if you plan on working at all. If, yes, how much will you earn each year? Next you need to know the amount you are
Do you have catastrophic coverage to help protect you from significant losses?
Is it important for you to continue seeing your current physicians or, are you comfortable seeing someone else instead?
Have you estimated your total out-of-pocket expenses for