Tag Archives | retirement income
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Ready For Retirement? Check Out Our Tips In Business Insider

Are you saving enough for retirement? We had a chance to chat with reporter Laila Maidan of Business Insider about designing a personalized retirement roadmap tailored to meet your specific goals. While saving 10% to 15% of income each year is a solid rule of thumb, that advice may not be suitable for everyone. A simple […]

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Social Security Tip: Don’t Delay Benefits Too Long

You probably know that waiting to claim your Social Security benefits until your Full Retirement Age (FRA) can result in permanently higher Social Security benefits. For people born between 1943 and 1954, Full Retirement Age is age 66 but that’s slowly climbing higher for younger workers. For example, Full Retirement Age for someone born in […]

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Quote Of The Week: What Low Interest Rates Mean For You

The Federal Reserve has pushed interest rates to new lows to fight COVID-19. How do these historically low rates affect your wallet? “Good news, bad news. Borrowers will benefit from the low-rate environment. The 30-year fixed mortgage rate is likely to remain below 4% for the foreseeable future. Auto, home-equity and other consumer loan rates will […]

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7 Things You Need To Know About Investing In Preferred Securities

Many investors are attracted to preferred stock investments due to their generous income yields, but are somewhat mystified by how these hybrid securities work. Is it a stock? Or is it a bond? And when does it make sense as an investment? Here’s 7 quick facts about this often misunderstood investment category, and why they […]

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Retirement Playbook: How Portfolios Can Bounce Back From Down Markets

It’s easy to get caught up in discouraging economic news, and lose sight of your long-term financial roadmap. That’s why Mari was glad to have a conversation with veteran financial journalist Gail MarksJarvis, writing for Barron’s, about how retirees can stay on track by taking positive steps to protect their portfolios in times of turbulent […]

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Investing For Retirement Income In A Low-Yield World

Guest Blog By Donald Calcagni, CFP®, MST, Chief Investment Officer Mercer Advisors Summary With interest rates at historic lows, investors are wondering how to generate retirement income. Despite low rates, there’s no need for investors to recklessly chase yields in high-risk asset classes. There’s a better way, one that focuses on your lifestyle, your legacy, and your […]

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Safety In Dividends?

With renewed concerns about slowing economic growth, more of our clients want to discuss how dividend-paying stocks can play a role in their portfolio. What’s the attraction? Investing in stocks that pay dividends can generate a nice income stream. That’s especially attractive when you stop working and need to take monthly income from your portfolio. Not all stocks […]

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What’s The Right Amount To Spend In Retirement?

What’s the right amount to spend in retirement? Spend too much, and you run out of money too early. Spend too little, and you miss out on fun and meaningful experiences. It’s not so easy to come up with the right answer. That’s why we “spend” so much time working with clients to make it […]

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Quote Of The Week: Why Tapping Your Nest Egg May Require Expert Help

“Tapping a nest egg is among the most important and difficult tasks we all face in retirement. Simply put, your money needs to last as long as you do. Yes, there are tools that can help do-it-yourselfers. … But I would argue that this is one place where a good adviser is invaluable.” Glenn Ruffenach, […]

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Quote Of The Week: Break This Retirement Rule And You’ll Be Eating Alpo

You’ve probably heard of the 4% withdrawal rule, right? Based on research, most financial planners and retirement experts think you can withdraw roughly 4% of the value of your portfolio each year and spend it. Withdraw more, and you risk running out of money before you run out of life. (We use a modified 4% rule in our practice, with […]

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