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Posts by Nick Caig

Taxes in Retirement – What to Expect

You’ve made it to the end, no more daily grind; you’re heading off in the sunset. Whatever metaphor you favor for beginning your golden years, it is an important milestone in your life. Your planning has focused on making certain your nest egg has grown sufficiently to outlast your life, and it’s just as important…

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Divorce After 50 and Your Retirement

Divorce rates are surging in the 50 and older age group.  Today, divorce for those 50 and older has more than doubled since the 90’s!  Divorce can be complicated at any age. However, older couples usually have more financial consequences. The financial consequences are particularly fraught when a couple has to divide their retirement funds.…

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Are You In The Retirement Sweet Spot?

Are you in the retirement sweet spot (RSP)?  No, it’s not a trick question.  The RSP refers to that time after you retire and before you take any required distributions from your 401k or traditional IRA at age 70 1/2. In addition to IRA’s, there are several other financial planning moves to consider in this…

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Should I Buy Or Rent A Home During Retirement?

The thought of growing older and retirement can be overwhelming to some. As the body begins to age, things like routine home maintenance are not as easy as they once were. It is estimated that homeowners will spend about one to four percent of their annual income on household upkeep. When you are no longer…

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Medical Expenses You Can Deduct

Deductions are a way to lower your tax liability. Maximizing your deductions across all areas gives you access to tax savings. One area where some taxpayers could be missing out on deductions is in medical expenses. Here are ways to you could potentially get the most out of tax deductions where healthcare expenses are concerned.…

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The Balance: Saving For Retirement And Your Kids College

Student loan statistics never cease to disturb. In the United States, there are 44 million borrowers with $1.3 trillion in outstanding debt. With that kind of debt burden on new graduates, it’s no wonder that many parents want to try and find a way to save for both their children’s college expenses and retirement. The…

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Spring Your Retirement Plan Into Action!

When you think ahead to your retirement years, you may envision a leisurely lifestyle that is just as charmed and relaxed as spending a leisurely spring day traveling with family or visiting with friends. While spring arrives seasonally whether you prepare for it or not, retiring comfortably can require ample planning and effort. If you…

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Spring Your Retirement Plan Into Action!

When you think ahead to your retirement years, you may envision a leisurely lifestyle that is just as charmed and relaxed as spending a leisurely spring day traveling with family or visiting with friends. While spring arrives seasonally whether you prepare for it or not, retiring comfortably can require ample planning and effort. If you…

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Be Ready For The Next Market Correction

Some retirement investors have a portion of their investment in stocks, and this may have served them well.  Stocks have recently been on a roll – and many are near all-time highs. Some investors may think the market is a bit extended.   Aside from relying on luck, what could you do to prepare your…

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Budget For Retirement Travel

For many people, the dream of traveling in retirement is strong. You may want to plan trips to see your adult kids and grandkids a few times per year, and you likewise may have bucket list trips in mind. Because you do not have a job to rush back home to, retirement is an excellent…

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