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Tapping retirement accounts early: the ins and outs

401(k) accounts aren’t designed as piggy banks to be tapped for non-retirement expenses. But stuff happens. Since the Great Recession, loans from 401(k) accounts have been rising. Some 17.6 percent of plan participants had loans outstanding last year, compared with 15.3 percent in 2008, according to the Investment Company Institute (ICI). A much smaller number […]

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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: […]

Dr. Tony Back

Medicare end-of-life counseling off to slow start

Older patients want to talk with their doctors about how they will die, but are doctors ready to have the conversation? Medicare began reimbursing physicians in January for time spent discussing their patients’ end-of-life wishes. While 95 percent of U.S. physicians support the new benefit, only 14 percent say they have yet billed Medicare for advance planning patient visits, according to […]

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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The ins and outs of Social Security benefits and taxes

It's an unpleasant fact of life: The taxman can take a bite out of your Social Security benefits. The federal tax formula was crafted to initially target higher-income households, but the ... [Continue Reading]

Latest RR Posts

Cracked-nest-egg-150px

Tapping retirement accounts early: the ins and outs

401(k) accounts aren’t designed as piggy banks to be tapped for non-retirement expenses. But stuff happens. Since the Great Recession, loans from 401(k) accounts have been rising. Some 17.6 percent of plan participants had loans outstanding last year, compared with 15.3 percent in 2008, according to the Investment Company Institute (ICI). A much smaller number […]

Dr. Tony Back

Medicare end-of-life counseling off to slow start

Older patients want to talk with their doctors about how they will die, but are doctors ready to have the conversation? Medicare began reimbursing physicians in January for time spent discussing their patients’ end-of-life wishes. While 95 percent of U.S. physicians support the new benefit, only 14 percent say they have yet billed Medicare for advance planning patient visits, according to […]

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Retirement planning 101 for young people

I am asked often what young people can do now to start building for a secure retirement. The question itself is a great start – frankly, I never gave this much of a thought until I was well past 40. I have five short answers. First: start saving as soon as you can – even […]