Need Income Until Social Security Kicks In? Consider an Income Annuity With a Time Limit
Period certain income annuities have set income terms, making them useful for helping to fund early retirement or prefund a loan or large...
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RetirementGuy
Nov 17, 20221 min read
What Happens When the Retirement Honeymoon Phase Is Over?
Gone are the days of retiring at age 65 only to live until age 70. For some people, retirement could last more than 30% of their lives. A...
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RetirementGuy
Nov 10, 20221 min read
Rising Interest Rates Change the Math on Pensions for Some Would-Be Retirees
Higher interest rates are good for our cash and checking accounts but are not always good for pension holders. Rising interest rates have...
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RetirementGuy
Nov 3, 20221 min read
When RMDs Loom Large, QCDs Offer a Gratifying Tax Break
When you were younger and busy building your nest egg, it’s likely you didn’t give much thought to the impact required minimum...
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RetirementGuy
Oct 27, 20221 min read
Save More for Retirement in 2023 Thanks to Higher IRA and 401(k) Contribution Limits
For anyone saving for retirement with a traditional or Roth IRA, the 2023 limit on annual contributions to their account goes up $500 –...
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RetirementGuy
Oct 27, 20221 min read
7 Big Retirement Risks to Plan for
The biggest difference between yesterday’s retiree vs. today’s is the diminished defined benefit — or pension — plan replaced by defined...
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RetirementGuy
Oct 20, 20221 min read
To Plan Your Retirement, Look Beyond The Online Income Calculators
We’ve all heard the problems with relying on numbers: garbage in, garbage out; liars figure, and figures lie; 87.2% of statistics are...
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RetirementGuy
Oct 6, 20221 min read
The Do’s And Don’t Of Investing For Retirement
Whether you’re handling your investments on your own or working with a firm to handle them, it’s a good idea to understand what goes into...
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RetirementGuy
Sep 29, 20221 min read
Market Setbacks Don’t Need to Set Back Your Retirement Plans
Late last year, in our 2022 U.S. Retirement Market Outlook, we expressed our concern that investment returns might be lower over the next...
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RetirementGuy
Sep 29, 20221 min read
Think retirement is out of reach? Here’s what you need to know
The pandemic caused tectonic shifts in the job market as workers young and old quit and searched for something better — in their work or...
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RetirementGuy
Sep 22, 20221 min read
How Some Traders Double-Up On Retirement Plan Contributions
Traders are pros at investing, and they understand the power of tax-free compounding while saving for retirement. However, wages are...
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RetirementGuy
Sep 22, 20221 min read
Tired of Pricey Life Insurance Premiums? 4 Ways to Manage a Policy When You Retire
You’re getting ready to retire, and you’re thinking about your expenses. One expense you’d like to forgo is the premium you pay for the...
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RetirementGuy
Sep 22, 20221 min read
When Is The Healthiest Time To Retire? Science Weighs In
In Canada, until 2008, “retirement” came at age 65. We don’t mean that 65 was the default, or age at which it was assumed a person would...
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RetirementGuy
Sep 15, 20221 min read
Retirement Planning For A Recession
A recession is a common, if unpleasant, part of life. People who are retiring now have endured around six of them across a four-decade...
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RetirementGuy
Sep 8, 20221 min read
Using Asset Location to Defuse a Retirement Tax Bomb
Asset allocation refers to how a portfolio is allocated to various asset classes that have different historical investment returns and...
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RetirementGuy
Sep 8, 20221 min read
6 More States Stop Taxing Military Retirement
In 2022, six more states have joined the ranks of those exempting, or partially exempting, military retirement pay from state income tax...
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RetirementGuy
Sep 1, 20221 min read
Here’s a simple way to save on retirement’s No. 1 expense
I’ve mentioned before that healthcare costs for the average American couple retiring at 65 will be enormous: An estimated $315,000 over...
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RetirementGuy
Sep 1, 20221 min read
What’s in the New 401(k) Retirement Bills
Retirement plans could see some major changes if proposed new legislation is approved by Congress. “They have so many bills,” says Ed...
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RetirementGuy
Sep 1, 20221 min read
The 5 Best States For Retirement May Surprise You
Well, okay. Spoiler alert: Florida made the top of the list for best states for retirement, according to a new bankrate.com survey. No...
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RetirementGuy
Aug 25, 20221 min read
The Best Annuities for Income and Growth
These are boom times for annuities, which are providing retirement savers and investors with not only their hallmark stability during...
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