Plan For Your Goals Blog
Articles To Help You Retire With Confidence
Investors often ease into their savings strategy with small investments into their 401(k) plans. Later, as their finances allow, they “graduate” into other investment vehicles for their retirement nest eggs, such as IRAs and taxable accounts. As their financial lives become more complex, many investors will ask, “If I have a fixed sum of money to invest every month or every year, what accounts should I consider if I want to save more?”
Choosing the optimal time to start receiving your Social Security benefit is an important step toward ensuring that your retirement income and savings will last throughout the rest of your life. No one wants to leave benefit dollars on the table due to a poor timing decision, not even those who have adequate savings and pensions and are not relying upon Social Security to fund their retirement. The problem folks are facing, though, is that choosing an optimal time to claim their benefit is neither simple nor straightforward.
Are you wondering how to set yourself up for retirement? Thinking you've reached the retirement age? It's important to take the time to make sure you can enjoy the next phase of your life. Ensuring you do the right financial planning for retirement is essential, and...
To help you gain clarity for your decision-making, I’d like to suggest my flowchart, “Should I Lease Or Buy My Next Automobile?”. You’ll find this guide helpful whether you have an immediate, unplanned need or you’re navigating the emotional or philosophical issues involved in leasing versus buying your next vehicle.
You've heard it said that purchasing your home is one of the biggest decisions you make in your life, but not many are talking about how big of a decision it is to pay off your mortgage early. Many have wondered about the merits of paying off their mortgage early,...
Employer-provided and individual coverage options should be coordinated with Social Security in order to ensure that short-term and long-term disability risks are mitigated. To help guide you through the complexities of this important financial planning topic, I’m making the checklist, “What Issues Should I Consider When Purchasing Disability Insurance?” available to download.
There are a lot of important considerations to weigh before doing a Roth conversion, and it would be wise to include your tax planning professional to help determine whether this strategy is right for you. The “Should I Consider Doing A Roth Conversion?” flowchart addresses the key issues to help guide the Roth conversion decision-making process.
Financial risk can be frightening, especially when it comes to your retirement plan. That’s where a financial risk management plan comes in. A financial risk management plan looks at potential risks and finds ways to avoid them. And if they can’t be avoided, lessen...
After working hard throughout your life, you deserve to relax and enjoy your retirement. But that doesn’t mean taxes stop. Here are seven tips to help you with tax planning for retirement. Tax-Bracket Planning This can take two forms: long-range and annual tax bracket...
Many have no financial plan for retirement. At Plan For Your Goals, my mission is to help both the newly retired and the nearly retired take control of their finances with an evidence-based plan so they can retire with confidence.
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