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Thinking About Downsizing In Retirement? 

With the exception of those under 35 years of age, between 60 and 70 percent of the median household wealth in the US is tied up in home equity. Those within 10 years of retirement have about 40 percent of their net worth held outside of their home equity, and the number gets worse from…

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What Keeps You Up At Night?

For millions of Americans, it’s the question of how they will fund their healthcare expenses in retirement, according to a recent poll by Franklin Templeton. With the high costs of care, hospitalization, pharmaceuticals, and nursing homes, these fears are well-founded, though they may be overblown. With proper planning, healthcare costs in retirement are within the…

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Retirement & Healthcare: The Fight Is Yours To Win

When you think of retirement, you probably think of a relaxing lifestyle free from the stresses of a 40-hour workweek. Life could instead get more stressful due to rising health care costs, which is one of the most expensive post-retirement costs seniors must endure. The current generation likely doesn’t have access to a union or…

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When Do You Say “Uncle”?

Recent market volatility has some investors thinking about their “uncle point”.  Yes, your uncle point, that moment when the market drops and you emotionally cannot stomach the loss.  Managing risk in retirement is important for many approaching or still navigating a successful retirement.  This level can vary wildly from one person to another. It is…

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The Cost of Long-Term-Care

Long-Term-Care is something that some Americans rarely discuss. This underdiscussed topic is something that could be life-changing for families, potentially saving them thousands in the long run. If you are in a position to have the conversation, the best time is to have it before it is necessary. What is long term care? Long-Term-Care is…

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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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