Blog Posts

  • Retirement Risks: Big Versus Small Decisions

    November 7, 2011
    When working with younger clients, I often get into a discussion of needs versus wants. Often, by the time someone is close to retirement, those lines blur and everything feels like a need. But no matter what your age, I have found that there is an easy way to consider ...
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  • Retirement Risks: Sequence of Returns

    October 31, 2011
    One of the key lessons to come from the market drop of 2008 and 2009 is that the timing of returns matters as much, or more so, than the average rate of return. By timing, I mean sequence―negative returns early in retirement matter more than negative returns later in retirement. ...
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  • CLASS Act Stops Before It Starts

    October 28, 2011
    Within the health reform legislation President Obama signed back in March 2010 was a long-term-care insurance program called the Community Living Assistance Services and Supports (CLASS) Act. The program was meant to allow people, while working, to pay premiums into a pool and after a minimum five-year wait, start receiving ...
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  • Social Security on the Rise

    October 24, 2011
    Inflation, contrary to what is reported, must be on the rise; I know this because the box of cereal I buy is shrinking while the price is not. Social Security is going to help retirees buy that box of cereal this year. After not seeing an increase in benefits for ...
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  • Make Taxing Retirement Income a Choice Between 62 and 70

    October 17, 2011
    I have written extensively about why people should consider postponing Social Security income in order to get a higher future benefit. But that is not the only reason to postpone. Taxes are also a reason, especially in an age where 401(k) and/or IRA assets will make up a large portion ...
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  • Tricks of the Trade

    October 10, 2011
    By Jon T. Meyer, CFP® I just love inside baseball knowledge, no matter what the profession. As a kid, I remember learning from my dad, an electrician, to make sure all the screws on the switch and outlet covers faced the same direction; the notch in the screw should be either facing ...
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  • Fulfilling Desires

    October 3, 2011
    By Jenelle Boeckermann While 95% of seniors desire to stay in their homes through the end of life very few take the time to research the options and plan ahead to make this wish a reality.  It tends to be at the time of a life altering episode that seniors and ...
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