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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: […]

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Not junk mail: This letter from Social Security can cut Medicare drug costs

A letter arrives in the mail with this opening line: “We are writing to let you know how you can get help paying your Medicare costs.” Your fraud detector probably goes on high alert – the mailboxes of retirees routinely are stuffed with bogus come-ons. But this letter is no scam. More than 2 million seniors are receiving letters this […]

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

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 […]

long-term-care-280px

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 will spend at least $100,000 out of pocket for care, federal data shows. The financial risk is real, […]