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Retirement Is Like 30 Years of Unemployment

The word “retirement” is often associated with spending time with family, out at the golf course, or on the water fishing. One word that rarely comes up is “unemployment”. However, this “retirement is like long term unemployment” analogy is something that many people need to consider because sound financial planning is essential to achieve the  Click to Continue

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Savings Rate of Millennials Explained

The savings rate of Millennials (those born between 1980 and 2000) is showing a lack of interest in putting their savings into defined contribution plans like 401(k)s, IRAs, and other defined contribution plans that are at their disposal. One of the main reasons is that saving for retirement doesn’t seem to resonate with this generation…  Click to Continue

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Seldom Talked About Benefit of Income Annuities for 80 Year Olds

Most annuity discussions seem to focus on lifetime income, and that seems to be fair given their unique ability to provide lifetime income for their owners that is backed by life insurance companies. However, there is another important benefit for income annuities (aka – SPIAs or Immediate Annuities) that is particularly helpful as time goes  Click to Continue

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The Retirement Income “Catch 22″

We have all heard the phrase “Catch 22″, correct?  Thanks to Joseph Hellers classic book “Catch 22″, the term has made its way into the English vernacular.  It even has its own Wikipedia page!  http://en.wikipedia.org/wiki/Catch_22 In the retirement realm, there exists a similar “Catch 22″ in regards to savings, bonds, and the 4% rule. Please  Click to Continue

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