How much do you really need for retirement?

coinTreeIt’s the age-old question: How much should I save for retirement?
For years, financial advisors recommended people save at least $1 million to enjoy a comfortable retirement. But given longer lifespans and concerns about the financial status of Social Security, is that target enough to fund a potentially decades-long retirement?

Maybe not. Read more

5 “BS” Retirement Investing Pitches You Should Ignore

coinTreeYou’re probably already wise to many schemes designed to separate you from your money—emails from Nigerian princes, phishing scams, etc. But does your BS detector go off when confronted with slick come-ones for perfectly legal-but-dubious investments? To see, check out these five pitches that are often targeted to people investing for retirement. Read more

8 Essential Annuity Questions – You Need to Know!

coinTreeUnderstanding Annuities and what part they play is critical in making sure you are getting the most out of your retirement planning.  We have listed 8 crucial questions you need to know to ensure your annuity works hard for you.

Answering these questions could put you on the path to finding the right annuity and help you secure the future you dreamed of. They come in 3 categories so you can zero in on strategies for you and your situation.
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4% Rule? How To Draw Down Your Retirement Savings

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Saving for retirement is challenging, no doubt. But if you want to know what’s really tricky, consider spending that money in retirement. Retirees in the past often relied on a simple rule for retirement income: Draw down 4 percent of your savings every year and you will be all set. But the retirement landscape has changed.
For one thing, people are living longer, and their money has to last all that time. One in four people who are 65 years old today will live to age 90, and one in 10 will live to 95.
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