Retirement Planning

Living at a level of comfort you’re used to when you retire requires taking steps to ensure that you have enough money. Retirement planning involves examining your goals for retirement, and then figuring how much you need to meet those objectives. You need to figure-out when to start investing and saving, how much you need to save, and what you may expect to receive from other sources such as Social Security. Retirement objectives, costs and resources are issues you need to take stock of before you quit working. Otherwise, you may find that you can’t afford to stop working.

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Find and learn about companies that provide products and services in the areas of retirement planning, annuities and asset decumulation.

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Find and learn about retirement planning and annuity-related products.  Listings are linked to the companies and financial advisors that provide the products.

Remember Warren Buffett's First Rule of Investing When Planning for Retirement

Warren Buffett's first rule of investing is "don't lose money." His second rule is "don't forget rule number one." In a rather odd whitepaper on retirement planning titled "Risk: How Much is Enough," the financial services firm UBS lays-out a road map of sorts for "moving forward" with retirement planning "in a changed world." What seems clear is that the primary catalyst for the whitepaper is the fact that many financial advisors ignore or forget Buffett's first rule of investing when it comes...

What to Think When a Financial Advisor Says: "You Know I'm Not a Big Fan of Annuities"

Disdain for annuities is a thread of conventional wisdom that seems to exist among a broad swath of financial advisors.

In fact, many financial advisors seem conditioned to wear...

TIAA-CREF CEO on Annuities as the Backbone of a 21st Century Retirement System

In a recent interview, TIAA-CREF CEO Roger Ferguson discusses post financial crisis retirement planning and CREF's role in the new retirement planning landscape. Ferguson believes that increasing longevity in the U.S. is a key driver of what will be a very different 21st century retirement system. Ferguson also suggests that stable sources of lifetime guaranteed income --in other words an annuity --should provide the "backbone" of the future system: It's really important to use this to educate...
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Rethinking Retirement Planning

There is an interesting and worthwhile article in Financial Planning that discusses the post-financial crisis retirement landscape. The author draws a picture of a new set of retirement norms for Baby Boomers and the generation following Boomers. Issues addressed include: Longevity . The financial crisis' impact on retirement planning. Sequence of returns risk . Social Security . Use of annuities. Employment in retirement. Recreation in retirement. Source: Financial Planning Full Story

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