If you want to maximize the benefits of your retirement plan, it’s important to note the deadlines that go along with them. Not all retirement plans should be, or can be, set up at the same time. And if you want the tax benefits of your plan, there is a cutoff date to apply your […]
Social Security: When to Take Benefits if One Spouse Earns More
I wrote recently about the benefits of waiting until age 70 to file for social security benefits. But this isn’t the best option for everyone. It’s common for one spouse to make more money, even significantly more, than the other spouse. If this is your own situation, here is what I often recommend for couples […]
Approaching Retirement: Prepare Your Portfolio
When you’re coming up on retirement within the next five years or so, it’s a good time to think about adjusting your allocations. The way you manage your investments now should change to reflect a more conservative investment approach. It’s also important to note that right now, interest rates are in an inverted yield curve. […]
Accumulation Phase: Plan Your Retirement Allocations
Your accumulation phase is the time in your life when you’re working, saving and preparing for retirement. It comes before the distribution phase, which is when you begin accessing the funds you set aside for retirement. Your portfolio should be fluid, adjusting for each phase of your life. This article will give you a general […]
Why You Should Delay Taking Social Security
It’s finally here, that big retirement age that you’ve been working toward. Is now the right time to collect Social Security? Not necessarily. There are some benefits to holding out on collecting Social Security a bit longer. Here are three reasons to consider collecting down the road: Delay Taking Social Security for an Increase in […]
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