1. Money

Before Retirement

Thinking about retirement? Be prepared. For a smooth transition, here are the steps to take before retirement.
  1. 401ks (20)
  2. 403(b) Plans (2)
  3. Divorce After 50 (4)
  4. How Much To Retire? (15)
  5. IRAS (51)
  6. Pensions (9)
  7. Retirement Age (9)
  8. Social Security Retirement Ben (62)
  9. Strategies And Investments For (10)
  10. When to Retire (20)
  11. Your Pre-Retirement Years (5)

How to Use Consumption Smoothing to Plan for Retirement
Consumption smoothing is an economics term that describes our desire to have a similar standard of living throughout our life. Here's how you apply it to saving for retirement.

My Retirement Paycheck
Wow! I love this web site called My Retirement Paycheck. It is put together by a non-profit and provides easy-to-follow answers to common questions like when to start social security, how long to keep working, if you should consider a reverse mortgage and much, much more. Check it out. You won't be disappointed.

Magic Retirement Nunbers You Should Ignore
This article, posted by The Street, argues against some standard rules of thumb you may hear about retirement. There are certain 'magic' retirement numbers, ages and amounts, tossed about, that perhaps should be ignored.

Use Retirement Planning Tools At Your Own Risk
All retirement plans are based on assumptions; assumptions about inflation, rates of return, spending habits, etc. Risk is the possibility that reality may not turn out anywhere close to a plan that is built using those assumptions. So what do you do then? How do you correctly model and measure risk?

What Would I Do?
Every Friday I post a "What Would I Do" topic. Keep in mind, it is not necessarily what you should do. Instead, it is written to give you insight into how to think about various financial decisions so that, from an educated perspective, you can make the right decision for you. I'll ad each new post to the top of the list below.

Beneficiary Designations Trump Your Will
When is the last time you checked to see who you named as the beneficiary, or beneficiaries, on your retirement accounts, life insurance policies and annuities? Your will does not override these beneficiary designations.

Retire
Determining when and how to retire is challenging. There are plenty of things to think about such as when to start social security, how to invest, how much tax you will pay in retirement, and much, much more. Below you will find answers to many of your common questions about retirement.

5 Planning Decisions Affected By Life Expectancy
An insurance company does underwriting before issuing products affected by life expectancy; it's only logical you should do your own research - essentially your own form of underwriting - before before buying such products or making financial decisions such as the five outlined below.

4 Things You Must Know About Investing For Retirement
Here are the four things you must know about investing for retirement.

Online Investment Classes Specific to Those Age 55+
Online investment classes and online education about retirement planning. These investment courses provide fantastic information. Everyone nearing retirement should have a basic level of investment education and this is a great place to start.

5 Ways To Estimate Life Expectancy
If you want to approach your retirement planning scientifically, you'll consider life expectancy. Here are 5 ways to look at it.

Retirement Quotes
I found these retirement quotes to be both thought provoking and entertaining. Hopefully you will too.

Inflation, Inflation Rates, How It Affects You, And What You Can Do
Inflation is real and it will affect your retirement lifestyle. It's not scary though. Read through the basics starting here, and you'll be prepared.

What is Retirement?
Retirement is achieved when you have enough non-work related sources of income to cover your living expenses and so working for money is no longer necessary. Retirement can be achieved when you plan and save, even if you start planning late.

3 Ways Women Can Reduce Risk in Retirement
It's time for women to step up and address retirement risks head on. Ladies, here are three things you can do to reduce risks in retirement.

4 Best Retirement Plans for Self-Employeds
If you're self-employed, consider setting up your own retirement plan. Here are the four best retirement plans for self-employed people to consider.

What Does Retirement Mean to You?
This is the single most important question you can answer before retirement. What would your life look like if you no longer had to rely on the work you currently do for income?

5 Factors To Use in Deciding When to Exercise Stock Options
Before you retire put thought into when and how you exercise your employee stock options. Learn how they work and when you should exercise them.

How to Save For Retirement – 5 Steps You Must Follow
Wondering where to start? Here are five easy steps that will teach you how to save for retirement.

Retirement Checklist
This retirement checklist provides 15 things you must do to financially prepare for retirement.

Retirement Risks And How to Reduce Them
The retirement risks you face will be different than the risks you face before retirement. Here are four unique retirement riks and what you can do to protect yourself from them.

8 Things to Know Before You Take an Early Retirement Package
Be smart about taking an early retirement package. Here are eight things you need to know before you decide to accept an early retirement offer.

Which Bra Does Your Retirement Plan Fit Into?
Planning your retirement? Here's a fun twist to get you started. Figure out which bra does your retirement plan fits into. Yep, that's right. I said bra.

4 Retirement Myths About When And Why To Retire
Retirement is a relatively new concept to society. Explore 4 myths that help promote the idea of retirement.

5 Essential Financial Planning Tasks For Your January To-Do List
January is the perfect time to set goals and create a plan to meet them. Here are 5 January money moves to get you started.

REDUX Versus High Three Military Retirement
Military retirement plans offer some complicated choices. One is the choice of REDUX versus the High Three plan. One choice may be far better for your retirement. Here are the pros and cons of choosing the REDUX military retirement plan.

5 Things You Can Do When You Don’t Have Enough to Retire Yet
What to you do when you haven't saved enough for retirement? Here are five things you can do that will help.

Can I Combine My Retirement Accounts?
Can you consolidate your various retirement accounts? Maybe so. Here's the scoop on what types of accounts can be combined and when you can do so.

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