POSTS TAGGED : retirement planning

Joseph Patrick Roop: Basic Tips for Post-Retirement Investing and Portfolio Management

Post-retirement investing

photo credit: Kampus Production / Pexels

Key Takeaways

  • Post-retirement investing shifts the focus from accumulating wealth to generating sustainable income and preserving assets.
  • A balanced asset allocation can help manage market volatility while maintaining growth potential to combat inflation.
  • Managing sequence-of-returns risk with cash reserves or stable income sources can help protect retirement portfolios during market downturns.
  • Strategic decisions involving Social Security, required minimum distributions, and taxes can improve long-term retirement income.
  • Regular portfolio reviews and personalized financial planning help retirees adapt to changing expenses, healthcare needs, and market conditions.
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Bradley Scott Cooperman: Separating Retirement Planning Facts from Fiction

Retirement planning

Key Takeaways

  • Starting retirement planning early allows individuals to benefit from compounding and reduces reliance on uncertain future income.
  • Healthcare costs in retirement are often underestimated, and Medicare does not cover many essential services such as long-term care, dental, and vision.
  • Retirement expenses do not always decrease and may increase due to lifestyle changes, travel, and inflation.
  • Pensions and Social Security alone are typically insufficient to sustain long-term financial security in retirement.
  • Retirement planning should be personalized, factoring in lifestyle, longevity, healthcare needs, and diversified income sources.
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Scott Mullady: Key Phases in the Lifecycle of a Qualified Retirement Plan

Qualified retirement plan

Key Takeaways

  • Qualified retirement plans move through defined phases from design and adoption to administration and termination.
  • Proper plan documentation and setup are essential before any contributions begin.
  • Ongoing administration requires fiduciary oversight, accurate recordkeeping, and annual compliance testing.
  • Reporting and disclosure obligations, including Form 5500, are required throughout the plan’s life.
  • Errors can be corrected through IRS programs, and plan termination requires a structured, compliant process.
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Justin Gelbman: Wise Strategies for Steady Retirement Income

Retirement planning

Key Takeaways

  • Retirement income stability depends on timing, diversification, and coordinated planning.
  • Delaying Social Security benefits can significantly increase lifetime income, especially for couples.
  • Diversified investment portfolios, including the bucket strategy, help balance growth and stability.
  • Annuities provide predictable income but should complement – not replace – broader retirement strategies.
  • Tax-efficient withdrawal planning can extend retirement savings and improve long-term financial security.
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Gerard Dougherty: Retirement Planning and Sequence Risks

Retirement planning

Key Takeaways

  • Sequence risk occurs when market downturns and portfolio withdrawals overlap, reducing long-term retirement income.
  • Market declines early in retirement are especially harmful because retirees must sell investments at low valuations.
  • Shifting toward cash and short-term bonds can reduce volatility and provide liquidity during periods of market stress.
  • Adjusting spending and withdrawal rates during downturns helps preserve principal and improves long-term outcomes.
  • Longer retirements heighten sequence risk, making structured withdrawal planning essential for lifetime income stability.
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Michael Wolfe on Building Long-Term Financial Security – Key Retirement Strategies

A trusted advisor and martial arts trainer in Greenville, SC, Michael Wolfe brings decades of experience in financial services and community leadership. Since 2013, he has worked at Edward Jones, where he specializes in guiding individuals and nonprofits through comprehensive estate and legacy strategies. His expertise is backed by a strong academic background, including a PhD in history of religion from the University of Virginia and business leadership training from Duke University.

Retirement planning

In addition to his financial advisory role, Michael is a fourth-degree black belt and offers martial arts instruction to adults and children in Greenville. His holistic approach to discipline, planning, and personal growth positions him as a respected voice in financial planning and retirement strategy.…

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The Benefits of Index Annuities for Retirement Planning

Planning for retirement is crucial for securing your financial future. One option is investing in index annuities. Index annuities are insurance products that offer a unique blend of growth potential and protection for your retirement savings. This article explores the benefits of index annuities and their role in helping you lead a comfortable retirement.

Retirement planning

Guaranteed Income for Life

A significant advantage of indexed annuities is receiving a guaranteed lifetime income. After you retire, you receive regular payments for your lifetime. It provides peace of mind since you will receive a steady income to cover your living expenses in retirement.

Protection of Principal

Index annuities also offer protection for your principal investment.…

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What You Should Know about Investing In Gold For Retirement

For a lot of us out there, retirement might seem like a long way away.  Maybe it’s not on our radar yet, or maybe it just doesn’t seem feasible to set aside money each paycheck at the moment – no matter the explanation for it, it’s understandable.  Especially when we’re in our early-to-late twenties, it feels like we’ll be stuck working forever.

Gold investing for retirement

Honestly, these days, that feeling is getting even stronger.  With worries of social programs like social security and pensions dissipating thanks to legislature changes, well…it’s more important than ever to start worrying about this stuff, though.  There’s not really a guarantee that we’ll still be able to collect social security checks once we reach retirement age.…

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Catching up from COVID

Business owners lost ground on retirement in the pandemic; cash balance plans may help them recover

Business discussion on cash balance plans and retirement planning

The COVID-19 pandemic and lockdown wreaked havoc on businesses, as closures, labor shortages and supply chain constraints cut into revenues and profits. Businesses that have recovered are reassessing their retirement plan strategies and goals.

A recent survey from TD Wealth Management[1] found that nearly two-thirds (65%) of business owners surveyed made meaningful changes to their retirement plans in the past 12 months, including their asset allocation (31%), postponing retirement (30%) and lowering contributions (30%). Today, many are seeking out advice on how to make up lost ground creating an opportunity for financial advisors.…

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Strategic Retirement Planning for Small Business Owners Who Want to Retire Early

There’s no denying that small businesses played a vital role in upholding the U.S. economy during the pandemic by providing essential products to consumers and employment stability to workers. Despite their critical efforts to retain normalcy, business owners endured difficult setbacks during the past few years, facing significant economic challenges. In the third quarter of 2022, only 33% of small business owners described business conditions as “good.”

Busy senior businessman working on a retirement plan

Accordingly, the number of owners who plan to retire earlier than expected has climbed 100% since 2020. It’s hard to blame small business owners, but there are several problems with this massive increase. For starters, an estimated 34% of small business owners don’t have personal retirement savings plans.…

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