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 […]
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 […]
New Hampshire Retirement Population: Leveraging Potential
New Hampshire now has the second-oldest population in the country. According to the U.S. Census, 20 percent of the state’s population will be 65 or older by 2020. A recent episode of NHPR’s “The Exchange” featured Joseph Coughlin, author of “The Longevity Economy: Unlocking The World’s Fast-Growing, Most Misunderstood Market.” He is also the […]
Preparing Your Fourth Quarter Finances
The end of the year is coming up, and with it comes a long list of to-dos. Get a jump on your money preparations now and you’ll set yourself up for a smoother fourth quarter: Max Out Retirement Accounts If you have a 401(k), you have until the end of this calendar year to make […]
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