Retirement Issues

• Will your savings last as long as you do? Read more

Did you know that women today: Read more

Did the market gyrations of the first quarter make your stomach churn? Does it feel like a scary world out there? Let’s first get the bad news out of the way, and then we’ll assess what, in my opinion, really happened in the first quarter of 2008. My article is a little longer this quarter since I’ve had some questions from clients about recent market behavior.

Here’s what the fear mongers (the title of last quarter’s newsletter) are telling us: Read more

The Baby Boomers are reaching retirement age but is retirement what it was supposed to be? With the changes in the fiscal, economic and tax environment, we are challenged to rethink retirement planning in response to these unforeseen changes. For the vast majority, important decisions made in the years just prior to retirement and in the early years of retirement may have an impact on their lifestyle quality for the rest of their lives. Read more

Most Boomers will qualify to start drawing on their Social Security at the age of 62 although currently, for many individuals, the full retirement age is 66. The extra income generated by the decision to do so can make earlier retirement easier. But is this the right decision to make? This short-term income benefit comes at a high long-term price. Why?

Because monthly benefits are reduced by 20% for workers and 25% for non-working spouses when compared to starting at age 66 (varies upon date of birth). Read more

With Dick Clark counting down as the ball dropped in Times Square, 2007 has now ended. It was another good year for our clients, although it might not have “felt” too wonderful in the last half of the year. Read more