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New tools for tax-efficient retirement draw-downs coming into view

Control the things you can control. We’ve all heard the mantra when it comes to personal financial planning, and it usually refers to the accumulation side of a retirement plan—factors such as investment cost, contribution amounts and timing. But a growing body of research points to an under-utilized point of control on the decumulation side […]

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Retired, but working? How it impacts your financial plan

A long time ago in a galaxy far, far away, seniors relied on the three-legged stool to navigate the financial universe in retirement: A pension, Social Security and their own investments. But in our galaxy, traditional pensions are disappearing, longevity is rising and investments, as well as savings, are inadequate. So the stool has a new leg: […]

Medicare-slider

Budget cuts threaten SHIP Medicare counseling program

Would you call a U.S. program that helps 7 million seniors save money on Medicare annually “unnecessary”? Probably not. But a network of more than 3,300 free Medicare counseling services could lose its $52 million in federal funding due to budget cuts. The State Health Insurance Assistance Program (SHIP) is on a list of more […]

Lisa Goff

Going back for a doctorate at mid-life and beyond

While the overall age of Ph.D. candidates has dropped in the last decade, about 14 percent of all doctoral recipients are over age 40, according to the National Science Foundation. Educators are seeing increasing enrollment in doctoral programs by students in their 40s and 50s. Many candidates hope doctorates will help them advance careers in […]

Blueprints

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Fresh approaches to paying for long-term care

Long-term care is a wild card in the deck for any retirement plan. Half of all Americans develop a disability at age 65 or older that is serious enough to need long-term care, and one in six ... [Continue Reading]

Latest RR Posts

Medicare-slider

Budget cuts threaten SHIP Medicare counseling program

Would you call a U.S. program that helps 7 million seniors save money on Medicare annually “unnecessary”? Probably not. But a network of more than 3,300 free Medicare counseling services could lose its $52 million in federal funding due to budget cuts. The State Health Insurance Assistance Program (SHIP) is on a list of more […]

tax-return-150-px

New tools for tax-efficient retirement draw-downs coming into view

Control the things you can control. We’ve all heard the mantra when it comes to personal financial planning, and it usually refers to the accumulation side of a retirement plan—factors such as investment cost, contribution amounts and timing. But a growing body of research points to an under-utilized point of control on the decumulation side […]

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2017 Social Security COLA likely to lack fizz

Retirees will receive a paltry increase in their Social Security checks in 2017 – the second consecutive year of flat or near-flat benefits, and the fifth year of inflation adjustments below 2 percent. Next year’s cost-of-living adjustment (COLA) will be just two-tenths of 1 percent, according to predictions in the annual report of the trustees […]