Retirement

Why Delay Social Security Benefits? To Boost Long-Term Wealth

Why Delay Social Security Benefits? To Boost Long-Term Wealth

By in Money Management, Retirement | 2 comments

Do you spend more time making money than you do managing the money that you already have? For those of us tiptoeing toward the Social Security (S.S.) deadline, did you know that by appropriately managing your benefits, you can earn tens of thousands more dollars or more in retirement? That’s right, managing when you and your partner take your Social Security...

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What Not to Do With an 401(k) Rollover

What Not to Do With an 401(k) Rollover

By in Advanced Investing, Asset Allocation, Automatic Saving, Investing, Money Management, Mutual Funds, Retirement | 0 comments

The 401(k) Saga-Don’t do This! Financial professionals frequently suggest rolling over your 401(k) into an IRA when you leave a job. The down side of leaving your retirement account with the old employer means you’re subject to their fee structure and investment options. If you rollover your 401(k) into an IRA-you gain control! Advantages of a 401(k)...

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How Can I Tell if I’m On Track for Retirement?

How Can I Tell if I’m On Track for Retirement?

By in Asset Allocation, Investing, Money Management, Personal Finance, Reader Question, Retirement | 0 comments

Reader Question: Am I On Track for a Secure Retirement? “Barbara, I started investing late and although I have a military pension, a 401k, and brokerage accounts; I wonder if I am track to a comfortable retirement.  I use commission free ETFs in a taxable account.”   You’re doing what you think is right, saving, investing, living modestly, but how...

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Stop Tinkering With Your 401(k) to Keep Your Wealth

Stop Tinkering With Your 401(k) to Keep Your Wealth

By in Asset Allocation, Guest Post, Investing, Retirement | 2 comments

Keep Your Fingers Off the 401(k)  Retirement accounts functioned differently just a few decades ago. We mailed deposits to our retirement accounts, or banks made deposits out of our bank accounts and into the brokerage account. To change our asset allocation, we called our stock broker, and he either agreed with us or tried to talk us out of making a bad decision....

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What to Do With a Pay Raise

What to Do With a Pay Raise

By in Economics, Investing, Mutual Funds, Personal Finance, Retirement | 4 comments

Wages Finally Up-How to Supersize the Pay Raise After the 2008-2009 recession, it seemed like jobs and wages would never turn around. If you were lucky enough to have a job, then you were doing the work of two employees and afraid to ask for a raise. Working harder for the same money. And you wondered if this is the “new normal”. As this is not my first...

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