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.

Thinking About Withdrawal and Income Strategies in Retirement

There is a very good article in Investment News about retirement planning and, more specifically, devising appropriate withdrawal and income strategies in retirement. The author discusses the nature of various income requirements and makes the entirely appropriate point that all income needs are not created equal. For example, travel desires obviously differ from essentials such as food and shelter. There are also different inflationary characteristics that need to be taken into account. Health...

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AARP Offers Tips on Retirement Spending and Annuities

AARP has published a tip sheet called Money Matters that offers advice on spending down one's assets in retirement. The tip sheet addresses a number of areas, including: When to claim Social Security . Asset Allocation . Annuities. Withdrawal rates. The role of one's home in retirement planning. For each topic, AARP offers a description of common or current practices, conventional wisdom and their general guidance. With respect to annuities, AARP notes that most people pay very little attention...

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Putnam CEO Advocates New Approach to Retirement Planning

Putnam Investments CEO Robert Reynolds spoke about the notion of "lifetime financial product allocation" at a recent industry conference. Reynolds supports the notion of a range of products over the course of one's lifetime that include: Lifetime income options to hedge against longevity risk . Relative return strategies to hedge inflation risk . Absolute return strategies to deal with both inflation and volatility risk ( sequence of returns risk ). Reynolds offered comments on the over-...

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Health Events Have a Major Impact on Retirement Assets

A recent article on retirement planning discusses the profound impact that health events can have on retiree assets. A retirement income study by the National Bureau of Economic Research indicates that the association between health and retirement assets is "striking:" People in the bottom 20 percent of the population in terms of their health had median assets only half those of people in the top 20 percent when the research period began in 1994. When it ended 12 years later, the least-healthy...

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An Interview with Retirement Planning Expert Henry Hebeler

Henry "Bud" Hebeler is a former Boeing executive who has been running a retirement planning company for over twenty years.

His company, Analyze Now (www.analyzenow.com), provides information and tools that help individuals with retirement planning. The company has helped thousands of people and is well respected among journalists and industry observers.

There are no sales motives or conflicts of interest with Analyze Now--just straightforward and objective retirement planning information.

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